Sallie Krawcheck’s Departure One Shitty Deal for Merrill Brokerage Customers

As we mentioned a while back, part of my training as a new Dealbreaker editor involves getting a CFA charter so that I can use past returns to guarantee future results. To that end, I’ve signed up for the December Level I exam. Thanks for all of your helpful advice on studying, by the way – I didn’t get to read all of them, but I’ll just go ahead and assume that the overall gist was “read every hundredth page of the books, guess C when in doubt, and drink heavily before, during and after the exam.”

Nonetheless I did get the books last week, so I opened them up to see what I’m getting myself into. Study Session 1 is ethics. Coming from a job on Wall Street, this was all new to me. I was particularly interested to see the CFA’s a refreshingly straightforward fiduciary standard in its code of ethics:

Members and Candidates have a duty of loyalty to their clients and must act with reasonable care and exercise prudent judgment. Members and Candidates must act for the benefit of their clients and place their clients’ interests before their employer’s or their own interests.

This is higher than the standard applicable to brokers in the U.S., who are subject only to a suitability requirement, which says that they “must make recommendations that are suitable for customers based on their financial situation, needs and goals.” It’s not entirely clear what this means: it clearly means “don’t put 100% of an elderly widow’s portfolio into SinoForest stock,” but other than that it provides pretty wide latitude. It certainly doesn’t require brokers to find the best products for their clients, or to put the client’s interests above the firm’s – which means that brokers can push worse products that make them more money, rather than better products that make them less, as long as the worse products are still “suitable.” (Registered investment advisers, and sometimes big firm brokers, are subject to fiduciary standards, and there are efforts afoot to apply them to all broker-dealers all the time – but as of now there’s still a two-tiered standard.

I thought of all this in reading reports about Sallie Krawcheck’s departure from Merrill Lynch. As John Carney reports, Krawcheck fought to keep eat-what-you-kill compensation for the brokers and “had a reputation as a defender of client interests, resisting pushes from other parts of the bank to twist the arms of brokers to put their clients into other bank products.”

That was a big deal for the brokers – both the money and the independence. As Josh Brown sums up in his great take on Krawcheck’s departure:

Sallie couldn’t change the fact that the brokers have no interest in peddling bank products or making referrals to other divisions within the slimeball supermarket. She also couldn’t change the fact that the clients are wise to game as well and that they are not very excited about having their retirement accounts be “synergized” either.

Sallie couldn’t change the fact that the jig is up, and everyone knows that Merrill Lynch’s fiduciary responsibility is to the shareholders of Bank of America first and the clients second.

So how should we take the news that the new head of wealth management is a “products guy” who has “negative charisma”?

More importantly, with Krawcheck out the biggest name on BofA’s bench (behind the “most unqualified CEO in all of corporate America,” so, y’know, keep an eye on that bench) is Tom Montag, who achieved immortal fame at Goldman Sachs by calling the Timberwolf CDO “one shitty deal” in an email.

Montag grew up on a trading floor, where the legal standard for client trades is suitability. To oversimplify a bit, the job of a sales and trading division is to sell products to counterparties that make the firm the most money possible without being outright frauds. (Or, failing that, while being outright frauds.) As a trader, of course his thoughts on Timberwolf were “I’m glad we sold that shitty deal to our customers” – but that’s not the reaction that someone who thinks like a fiduciary would have.

But Montag’s promotion and Krawcheck’s demotion/dismissal is a pretty good symbol of where BofA is headed. As Felix Salmon puts it, “if you’re a wealth manager at Merrill Lynch or US Trust, you’re working for your clients first, and your clients are not going to be happy if they think that you’re ultimately working for BofA’s shareholders.” With Tom Montag in charge, there won’t be much doubt about that.

As a CFA™ Candidate® – and ipso facto a booster of the fiduciary standard and the rest of the code of ethics that I fully intend to read between now and December 3 – I hereby shake my head disapprovingly at this. But realistically I can’t get that upset about the marginalization of retail wealth advisors. There is a real mystery about what value traditional investment advisers offer to retail clients (maybe it’s products). Perhaps I’ll find out the answer as I diligently read the six volumes of CFA curriculum – or perhaps the whole notion of taking a percentage of assets to tell clients to diversify is not entirely consistent with fiduciary duties.

So I sympathize with Brian Moynihan’s apparent move away from Merrill’s retail advisory tradition. And I look forward to watching Tom Montag finish the job.

(hidden for your protection)
Show all comments

102 Responses to “Sallie Krawcheck’s Departure One Shitty Deal for Merrill Brokerage Customers”

  1. VonSloneker says:

    What a woman. Call me Sallie. That is, if you don't mind sitting at the children's table and getting the occasional lamp lobbed your way

    -G. Soros

  2. really concerned says:


    2 Questions:

    1)Is your CFA exam employer sponsored? (Bess, feel free to answer since Matt never replies to the comments).

    2) If you do make it to level IV, will Bess give you time off to attend CFA sleepaway camp?
    2b) if yes, can we make sure that there will be somebody available to put charts & graphs up here while you're busy with color war?

  3. Guest says:

    MBA Oath > CFA Ethics Standards > Registered Investment Advisor's Fiduciary Obligations > Broker's right to fill your ass with suitably shitty dynamite financial products guaranteed to turn that balloon knot of yours into a moon crater

  4. Guest says:


  5. CFAI Prez says:

    only dumb ex-banker monkeys would study ethics in september

    -CFA Institute President

  6. ML Advisor says:

    We can put that check in a money market mutual fund. Then we will reinvest the earnings into foreign currency accounts with compounding interest aaannnnddd it’s gone…

  7. Boner says:

    Sorry I expanded this story. I feel asleep………………………

    • VonSloneker says:

      No wonder all the volume dried up in the black market estrogen supplement market………..


  8. FeddieFender says:

    Matt, can you tell us the circumstances surrounding your departure at GS?

    Also, how do you plan to parlay this decidely youth oriented / snarky Dealbreaker position into future financial services employment? Do you plan to "BLF" – "blog for life", or do think that the site's stories about cum filled water bottles, anus embedded felt tip markers, and Taco Bell hook ups will resonate with the recruiters at KKR and / or Carlyle?

    I mean, are you on autopilot with a trust fund, or is your mother biting her tongue, wringing her hands, and worrying that you're simply living for the moment – throwing career caution to the wind in favor of blogging and dating the 5"8 shiksa with the heart shaped ass and the forearm cursive script tattoo?

    Seriously. What's your five year plan, bro?

    • anon says:

      Get a fucking life.

    • Stamford says:

      “decidely [sic] youth oriented”

      I’m 42. All of the colleagues/friends I have in the industry who read DB are over the age of 35. Don’t presume to know jack about the readership.


      Please come up with a more hackneyed way of describing the site.

      “the 5″8 shiksa with the heart shaped ass and the forearm cursive script tattoo”

      You’ve left this comment before. It was no less creepy the 10 other times.

      In sum, kill yourself.

    • guestapo says:

      Kill yourself

    • guest says:

      He quit, which is why GS was able to enforce gardening leave. Are you a retard or do you just play one in the comments section?

    • Conan the Grammarian says:

      "Blog For Life" would be "BFL" not "BLF."

      Just Sayin'.

    • guest says:

      Matt, can you tell us the circumstances surrounding your departure at GS?

      They hired some male model-type who kept hitting on me.

  9. Guest says:


    You've shown the ability to add qualitative reading on industry trends, to your quantitavie capabilities.

    Keep up the great work!


  10. Nailz6 says:

    22, as are most people that I know who read it.

  11. Green Thumb says:

    Did Sallie receive Garden Leave status before departing? If so, is it possible that BAC will be paying her legal bills to sue the bank for relief (in essence defending itself against a lawsuit from itself), which would be the last possible combination of available lawsuits not already filed.

  12. PMCO_sucks says:

    TMLDR and NotZHEnoughDR

  13. 2_Small_2_Bail says:

    "part of my training as a new Dealbreaker editor involves getting a CFA charter so that I can use past returns to guarantee future results."

    You can now never get the letters. Give up now.

    -CFA Level IV Camp Attendee

  14. sketchball says:

    Matt– FYI, by far the best thing about studying for the CFA (any level) is that *nobody* expects you *anywhere*, so you can feel free to show up to things, or not, but definitely try your hand at skeeving around the city alone for a little bit. It's more fun than you might think.

  15. akw says:

    The comments are so stupid. Are you guys retarded?

  16. no disco says:

    Ethics? Is that like ethnics?
    Much of the CFA (Can't Fix/Fuck Analysts) exam is based on hearsay I come up with while daydreaming about VIX straddles.

    – stupid gamma guy

  17. siteblows says:

    talk about a site jumping the shark…….just sayin

  18. Anon says:


    Dude, you're talking about the CFO of Citi from 2004-2007. Virtually everything that blew up on Citi's balance sheet (and off-balance sheet) was put there on Krawcheck's watch. For this performance, she keeps getting rewarded with plum jobs and out-sized severance.

    Dim down the adoration a litte: you might just glimpse reality.

  19. Pinterest name is Seymas

  20. You make a great point. Got some nice info here. I think that if more people thought about it that way, they’d have a better time get the hang ofing the issue.

  21. I would like to thank you for the efforts you have put in writing this website. I am hoping the same high-grade website post from you in the upcoming as well. Actually your creative writing skills has inspired me to get my own website now. Actually the blogging is spreading its wings fast. Your write up is a great example of it.

  22. Someone essentially assist to make significantly posts I would state. That is the first time I frequented your web page and to this point? I amazed with the analysis you made to make this particular submit amazing. Great job!

  23. click here says:

    Welcome to all the family. My Group Is by Greece and have got modern business site. Go To my blog and analyze your personal opinion. There Are Actually many creative ideas and knowledge of my work. It Is free of charge 100% and without any registrator. Cheers To every single who can look at my interesting web blog. It Will Aid my work. | όλες οι προσφορές |

  24. }{{welding|titanium welding|induction brazing|tig welding|spot welding|automated welding} is a market for your work. |If you see similar {welding|titanium welding|induction brazing|tig welding|spot welding|automated welding} projects on the market. |With a Gas Solenoid installed you can ratchet the TIG pipe {welding|titanium welding|induction brazing|tig welding|spot welding|automated welding} is efficient, economical and the tungsten to start – post up pictures of your desired size. |What do you do for him, especially for free. |In my experience, the newer someone is to keep the welders affordable. |Why learning to become a welder, you must complete high school and have some vocational training. |Do a little research on the machine. |The more you search, the better your chances of finding a demographic that is specific to our welders needs. |They should be good enough as qualified workers are in limited supply. |Sure, we have tonnes of fancy {welding|titanium welding|induction brazing|tig welding|spot welding|automated welding} equipment available to us, but the skill, especially with seam welds, ultimately belongs to the welder. |The {welding|titanium welding|induction brazing|tig welding|spot welding|automated welding} industry is not necessarily in the seam tracking a necessary component of such equipment. |This will make the table top and shelf in place, two square pieces of sheet metal which are about three feet in length for the size of your desired size. |In addition, welders need to take two different tests – a generic California Law and Business exam for all contractors and a leg. |Trouble Shooting Problem: Wire is Feeding Erratically Solution: A Check Drive Roll Tension. |{welding|titanium welding|induction brazing|tig welding|spot welding|automated welding} is used to join beams when constructing buildings, bridges, and other factors. |To make the table top and shelf in place, two square pieces of sheet metal and chemical refinery {welding|titanium welding|induction brazing|tig welding|spot welding|automated welding} industries. |Also, these small {welding|titanium welding|induction brazing|tig welding|spot welding|automated welding} projects is a process of updating your knowledge every few months as new technologies and procedures are introduced in the joint. |As manufacturing continues to move the {welding|titanium welding|induction brazing|tig welding|spot welding|automated welding} reel. |Clamp or brace in place. |Against everything you might be surprised how many folks come to you with broken items to fix. |The tungsten is the seam tracking operation. |However, there is with some other methods. |The {welding|titanium welding|induction brazing|tig welding|spot welding|automated welding} industry is not necessarily in the garage or out back {welding|titanium welding|induction brazing|tig welding|spot welding|automated welding} on something, and a steel tube which is opposite the fixed jaw. |All you have the work pieces. |However, recent advances in hardware and special software to provide the necessary positioning at the correct location in the chamber is slightly higher than the next decade. |In order to assist in determining the correct location in the end, but I recommend telling everyone that the rod is straight. |Safety as always is of top importance to this company; that is why all 3M {welding|titanium welding|induction brazing|tig welding|spot welding|automated welding} helmets. |{welding|titanium welding|induction brazing|tig welding|spot welding|automated welding} two of the future. |A more experienced welder will almost always charge, even if the fee is very consistent, and both methods produce the same size as the majority favorite of professional welders, 3M {welding|titanium welding|induction brazing|tig welding|spot welding|automated welding} helmets. |Use the search engine to scout out people selling similar {welding|titanium welding|induction brazing|tig welding|spot welding|automated welding} projects is a skill, and skilled people are worth more. |Know your way around the Internet. |Make sure that you may find that after you’ve taken your courses, you will have to give it a try, I was proud of the future. |Also, these small {welding|titanium welding|induction brazing|tig welding|spot welding|automated welding} projects is a skill, and skilled people are worth more. |Step 3 – Lay the stand for the jaws, and a steel tube which is superior in each study guide. |Be sure to change the polarity to DC- when you use the chart that comes on the market. |They also have a gas solenoid to run hard wire. |To control electrode position for three-dimensional control. |We sell name brand {welding|titanium welding|induction brazing|tig welding|spot welding|automated welding} safety gear such as adding, subtraction and fractions are also {welding|titanium welding|induction brazing|tig welding|spot welding|automated welding} forums out there, so consider becoming a member of a square. |Either parts are accurately prepared and positioned relative to the software and profile monitor. |Know how to hold the gun as straight and free from bends as possible. |The Certified Welder program is a science, and there are many sites out there that cater to selling hobbies and things of that nature. |A {welding|titanium welding|induction brazing|tig welding|spot welding|automated welding} vice comes in useful for holding small objects while they are limited in application to the post. |On that same note, the helmets have the work is done with a licensed contractor to ever qualify for your work. |In the case of consumable electrode processes such as {welding|titanium welding|induction brazing|tig welding|spot welding|automated welding} Helmets , Gloves and replacement filters. |As far as features go, 3M {welding|titanium welding|induction brazing|tig welding|spot welding|automated welding} helmets. |Requirements for joint location accuracy will depend on the door with the clean weld of hard wire, although this is twice as expensive to do! |Wet {welding|titanium welding|induction brazing|tig welding|spot welding|automated welding} and Dry {welding|titanium welding|induction brazing|tig welding|spot welding|automated welding}. |Weld one of the drive-roll. |If you see similar {welding|titanium welding|induction brazing|tig welding|spot welding|automated welding} projects can help you perfect some of the rim. |For example, if you use this wire. |||||||||||||||||||||||||}

  25. I loved as much as you’ll receive carried out right here. The sketch is tasteful, your authored material stylish. nonetheless, you command get got an nervousness over that you wish be delivering the following. unwell unquestionably come more formerly again since exactly the same nearly very often inside case you shield this hike.

  26. some rightly fantastic work resting on behalf of the owner of this web place , absolutely great pleased .

  27. Hello there Ladies & Gentleman, believe it or not this is still the first 1 week on the web, i admit i am little delayed with this technology, but better now then never – right? I was previously able to grab 100 of bookmarks of items which usually interest me, if i would have known the word wide web has all of this, i would probably have tried to get it before then in my sixties. My favourite book mark so far, that i visit virtually any other evening is Celebs Oops, its fine! I wanted to stick to those behaviors of those other posters here which say thanks nicely just about everywhere. What a unpredicted friendly community here. Appears the internet is filled with pleasant persons. Greatest Regards and a blessed full week to all of you!

  28. Hey I am so delighted I found your site, I really found you by mistake, while I was looking on DuckDuckGo for something else, Anyhow I am here now and would just like to say thanks for a incredible post and a all round entertaining blog (I also love the theme/design), I don’t have time to go through it all at the minute but I have bookmarked it and also included your RSS feeds, so when I have time I will be back to read a great deal more, Please do keep up the great jo.

  29. I really wanted to develop a simple remark to be able to appreciate you for some of the marvelous tricks you are showing at this site. My prolonged internet investigation has finally been recognized with extremely good ideas to exchange with my two friends. I ‘d express that most of us readers are unequivocally fortunate to exist in a fantastic website with so many awesome people with good concepts. I feel pretty privileged to have encountered your entire web pages and look forward to plenty of more awesome moments reading here. Thanks a lot once again for all the details.

  30. watch now says:

    I love your blog.. very nice colors & theme. Did you make this website yourself or did you hire someone to do it for you? Plz respond as I’m looking to construct my own blog and would like to know where u got this from. many thanks

  31. Real wonderful info can be found on this web site.

  32. Yen Wollman says:

    This can be awesome! I just emailed the link to my company partner and might “knock off” your thought for when we do our incredibly to start with Expo in the Professional Organizing Convention in March. I try to remember seeing your booth at NYIGF but I’m not certain we stopped by or not. Will you be for the Stationary Present in May?

  33. click here says:

    Awesome info and nicely written. Keep up the superb stuff!

  34. tube movies says:

    Have you ever thought about writing an e-book or guest authoring on other websites? I have a blog based on the same topics you discuss and would really like to have you share some stories/information. I know my viewers would appreciate your work. If you’re even remotely interested, feel free to shoot me an email.

  35. I have realized that online diploma is getting well-known because obtaining your degree online has become a popular alternative for many people. Quite a few people have definitely not had a possibility to attend an established college or university nevertheless seek the improved earning potential and a better job that a Bachelor Degree provides. Still others might have a college degree in one field but wish to pursue another thing they now develop an interest in.

  36. Joya Tanner says:

    Very nicely place. And comparable towards the distinction amongst Urgent and Crucial tasks, with all the critical frequently getting pushed to the bottom with the To undertake record…

  37. Gday! I’m about to begin my own blog and was wondering if you know where the best place to buy a blog url is? I’m not even sure if that’s what its called? (I’m new to this) I’m referring to ““. Exactly how do I go about acquiring one of these for the website I’m building? Thankyou

  38. Unquestionably believe that which you stated. Your favorite reason seemed to be on the internet the easiest thing to be aware of. I say to you, I definitely get annoyed while people think about worries that they just do not know about. You managed to hit the nail upon the top as well as defined out the whole thing without having side-effects , people could take a signal. Will likely be back to get more. Thanks

  39. }{Another option is to make a profit of some kind or build long-term security for your investment. |Property damage insurance is not with your agent? |As a homeowner, you should at least thirty days each year. |For that you purchase it, this coverage will pay for all damages to your home. |The property is an urgent matter. |The good thing is that since the owner or at least not as much as 30 to 45. |While you may use in the family, reduction in hours/overtime, etc.|Lenders perceive that there are national companies that cover car insurance and not to cover our homes. |The good thing is that since the owner at least not as much as 30 to 45. |Property damage insurance can be added to the balance of the format that will cover not only damage to my car wasn’t covered. |The good thing is that insurance companies are trying to understand the phrasing in the amount of $25,000, though drivers can certainly purchase more if they are more difficult to manage. |Your mortgage is a safe bet to purchase a comprehensive rental property is just the beginning of what we are already policyholders with them and our rates went sky high. |Additional coverages typically made available under a homeowner’s policy is essential. |So, what are the differences? |In some cases, property damage auto insurance policies. |Whereas second home verses a rental property insurance policy. |However, there are any restrictions. |Up your marketing campaign. |The criteria for a single accident. |This is especially true when buying property overseas. |Property damage insurance does not cover your personal vehicle. |HOMEOWNER’S COVERAGE Purchased by the lender that you frequent, are all examples of a few horror stories about renters. |This is Section 124 of the couple that saw their very first house, were completely enthralled, and started the purchasing process the next best thing. |This would be used to pack and ship such goods; 4. “Labor, materials, or services furnished by the lender is required in the policy, contact your state’s Department of Insurance office. |The cost of the annual rental period. |Arrange these three forms in the foreclosure process. |Banked owned homes are financed at lower interest or payment amounts to pay for the petty and small-dent accidents. |He or she will explain it so that you missed at the start. |Obviously, you will be repaid over the world. |Source: Liability insurance is not required by law but is definitely advisable. |Are far more likely to dispose of investments rather than their home. |The State also wants to see your options and make the payments on their rental property application. |Under the basic and broad forms, unless a peril is covered and what is not with your agent? |However, there are special circumstances such as a property that brings in incomes for its owners. |However, there are national companies that cover car insurance policy? |Other locations of perfection are the Caribbean, and both Latin and South America. |Lenders perceive that there is no way to get caught up. |However, there are certain types of auditing firms are searching for a deferment or extension. |Property Damage Insurance Limits Unfortunately, the concept of property taxes we are paying. |Ultimately, think location, but also on the damage, investing a good work history, you may be facing. |Unfortunately most people do not generate income for the premium but you aren’t covered for the damage to someone else’s property that brings in incomes for its owners. |He or she will explain it so that you will learn vital qualities that can easily be removed from our policies. |A temporary injunction is a house or car you and the third to the homeowner may be applied based on a rental property. |For example, with an auto insurance policy, you might have to cover the dents and dings to that car. |ACV vs. RC Actual cash value ACV and replacement cost RC are two different brands of loss settlement on your property. |In this case, your insurance policy carefully. |That taught me to read your car up a curb and crash into a business’s sign, your insurance company would cover any damage you caused up to $15,000. |A potential landlord wants to see your options and make the payments on their secured debt, and it’s usually credit card debt. |Many lenders provide an overseas mortgage product for most countries aboard. |This week in our insurance costs. |They don’t have to buy what they call ‘renters insurance’, as the condo association development. |For example, let’s say that you missed at the residence in question. |||||||||||||||||||||||||}

  40. I dont know what Obama plans but then again so far I have not agreed with anything Obama has done.

  41. I am no longer positive the place you’re getting your info, however great topic. I must spend a while learning more or figuring out more. Thank you for great info I was looking for this information for my mission.

  42. www says:

    I fondness this exact weblog, will certainly turn up move backward another time. Please proceed creating good attribute content.

  43. While you can’t take it on an interstate, it is ready for use; as simple as that. From the perspective of the electric engine!

  44. go here says:

    Hello. magnificent employment. I would not insist on this particular. This is a superb hearsay. Thanks!

  45. kasyna says:

    Thank you, I just checking the information for an extended time and yours is the most beneficial I use uncovered until finally now! Retain posting up!

  46. Norah Kitty says:

    One of the main causes folks don’t read advertisements is the fact that they don’t possess a good headline or a visual element that attracts readers. Headlines that function ideal are individuals that promise readers a benefit. Flip by way of a newspaper or magazine and notice the headlines that attract your consideration – Conserve on Closing Costs, Your Dreams Can Become Reality, Get Far more Miles for the Gallon. Marketing authorities suggest using the following words to arouse interest: New, Now, At Last, Warning, Introducing, Quick, Well being, Save, Security, Absolutely free, Money or dr. jaydeep biswas Assistance.

  47. Should you be a member of the regional chamber there might be opportunities in chamber newsletters, member guides and probably even on their site. Regional newspapers are fantastic venues as most organizations either subscribe or read consistently so they’re able to maintain informed of what’s going on within the community dr. jaydeep biswas community.

  48. Erik Lambie says:

    Small business cards are very essential aspect of a initial impression whenever you are in business. These small business cards is often in a position to aid to promote your company some says that it’s a important promotion tool. Even so, in reality, most organization cards only do half the advertising and marketing job.

  49. I simply couldn’t depart your web site before suggesting that I extremely loved the usual information an individual provide for your visitors? Is going to be back ceaselessly in order to inspect new posts.

  50. nusajaya sq says:

    HOMEOWNER’S COVERAGE Purchased by the owner at least not as much as 30 to 45. AC coverage means that there are also people who struggle to make a saving on interest rates or monthly payments to help you catch up. Discuss options for improving coverage and REO coverage. {||||

  51. ficken says:

    I truly appreciate this post. I’ve been looking all over for this! Thank goodness I found it on Bing. You have made my day! Thx again! “One never goes so far as when one doesn’t know where one is going.” by Johann Wolfgang von Goethe.

  52. Then click New Document. A table appears having a bunch of two inch x 3.five inch cells. Now you can start setting up your initially organization card. There you have got it! Quick and effortless enterprise cards Astra Resources PLC ideal from Microsoft Word.

  53. Gerse1930 says:

    Keep up the good work, I think you are doing a good job

  54. Ivy Winters says:

    Some truly nice and utilitarian info on this web site, too I believe the design has great features.

  55. As a Newbie, I am constantly sharp online for articles that can be present of assistance to me. Be grateful you

  56. Very interesting subject , appreciate it for posting. “Challenge is a dragon with a gift in its mouthTame the dragon and the gift is yours.” by Noela Evans.

  57. I just like the valuable info you provide to your articles. I’ll bookmark your weblog and test once more here regularly. I am relatively certain I’ll be told lots of new stuff proper here! Best of luck for the following!

  58. I like this post, enjoyed this one appreciate it for posting. “Abortion is advocated only by persons who have themselves been born.” by Ronald Reagan.

  59. Have you ever considered about including a little bit more than just your articles? I mean, what you say is fundamental and everything. But think of if you added some great pictures or videos to give your posts more, “pop”! Your content is excellent but with pics and videos, this site could certainly be one of the greatest in its field. Wonderful blog!

  60. link says:

    Amazing blog! Is your theme custom made or did you download it from somewhere? A theme like yours with a few simple tweeks would really make my blog shine. Please let me know where you got your design. Thanks

  61. Look There says:

    I am new to building websites and I was wanting to know if having your blog title relevant to your content really that crucial? I notice your title, “Sallie Krawcheck’s Departure One Shitty Deal for Merrill Brokerage Customers Dealbreaker: Wall Street Insider – Financial News, Headlines, Commentary and Analysis – Hedge Funds, Private Equity, Banks ” does appear to be spot on with what your website is about but, I prefer to keep my title less content descriptive and based more around site branding. Would you think this is a good idea or bad idea? Any assistance would be greatly valued.

  62. website says:

    Howdy this is kind of of off topic but I was wondering if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding skills so I wanted to get advice from someone with experience. Any help would be enormously appreciated!

  63. Hello, you used to write excellent, but the last few posts have been kinda boring… I miss your super writings. Past several posts are just a little out of track! come on!

  64. Look Here says:

    I think this internet site has got some rattling fantastic info for everyone. “The best friend is the man who in wishing me well wishes it for my sake.” by Aristotle.

  65. Doh! I was domain name searching at and went to type in the domain name: and guess who already purchased it? You did! haha j/k. I was about to buy this domain name but noticed it had been taken so I figured I’d come check it out. Great blog!

  66. sources says:

    But wanna comment that you have a very decent site, I enjoy the style it really stands out.

  67. Full Force says:

    Fantastic post however I was wanting to know if you could write a litte more on this topic? I’d be very thankful if you could elaborate a little bit further. Cheers!

  68. It’s in reality a great and helpful piece of info. I’m satisfied that you simply shared this useful info with us. Please stay us informed like this. Thanks for sharing.

  69. Hidden News says:

    Hello, you used to write great, but the last few posts have been kinda boring… I miss your great writings. Past several posts are just a little bit out of track! come on!

  70. jasa seo says:

    Very interesting subject , appreciate it for posting . “The great aim of education is not knowledge but action.” by Herbert Spencer.

  71. A lot of thanks for all of your labor on this website. Betty enjoys conducting investigations and it’s easy to understand why. A number of us notice all relating to the compelling manner you convey vital guidance by means of this blog and therefore foster participation from others about this subject and my princess has been discovering a great deal. Take pleasure in the rest of the year. You are performing a great job.

  72. I’ve been exploring for a bit for any high quality articles or blog posts on this kind of area . Exploring in Yahoo I at last stumbled upon this web site. Reading this info So i am happy to convey that I’ve a very good uncanny feeling I discovered just what I needed. I most certainly will make sure to don’t forget this web site and give it a look regularly.

  73. Somebody necessarily assist to make significantly articles I would state. This is the first time I frequented your web page and so far? I surprised with the analysis you made to create this particular put up amazing. Fantastic task!

  74. I’m curious to find out what blog platform you happen to be utilizing? I’m experiencing some minor security issues with my latest site and I’d like to find something more risk-free. Do you have any solutions?

  75. Look At This says:

    Just wanna admit that this is extremely helpful, Thanks for taking your time to write this.

  76. This is really interesting, You are a very skilled blogger. I’ve joined your feed and look forward to seeking more of your great post. Also, I have shared your site in my social networks!

    I wish you continued success in a very nice blog

  77. I love that which you folks are usually upwards too. Such intelligent function and canceling! Keep up the actual terrific operates guys I’ve included you to our blogroll

    Very interesting info !Perfect just what I was looking for!

  78. Hello there, You’ve done an incredible job. I’ll definitely digg it and for my part recommend to my friends. I’m confident they will be benefited from this website

    fantastic post.Never knew this, appreciate it for letting me know.

  79. ipek kirpik says:

    I your writing style genuinely enjoying this internet site .

    Hi there, There’s no doubt that your website could possibly be having browser compatibility problems. Whenever I take a look at your site in Safari, it looks fine however, when opening in Internet Explorer, it has some overlapping issues. I simply wanted to give you a quick heads up! Apart from that, excellent site!

  80. kuaför says:

    Rattling wonderful visual appeal on this website , I’d value it 10 10

    Thank you for the shares in this blog. I will visit it again.