Some protesters objected to city and the landlord’s depiction of the park and said some would try to remain, no matter what the city or Brookfield do. “Unsanitary? We have a cleaning department here,” said Junior Martinez, 23 years old, who lives on the Lower East Side when not camping out. He added: “Tents or not, we will sleep without tents. I think people are going to end up doing it no matter what.” [WSJ, earlier]
- Use the Bloomberg command
NH BLG_DEALBREAKER <GO>
to access Dealbreaker -
You know what they say: You can’t choose your family, but you can choose your financial planner. Or something like that. One of the great things of being in charge of your money is choosing who (if anyone) will help you manage it. The choice isn’t always an easy one. How will you know that your planner is reputable and trustworthy?
These five red flags may be good indications of whether the financial planner sitting across from you is someone you should trust with your money. LearnVest Planning also provides an innovative 7-step program for your money where you work one-on-one with a financial planner. To see if this program is right for you, start with a free financial consultation.
1. She Isn’t Certified
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2. He Offers to Manage Your Money for “Free”
Financial planners are usually paid in one of two ways: Either through fee-only, which can be a set fee, hourly, retainer or a percentage of the assets they manage for you, or through commission, which means the planner is paid each time he buys or sells an investment.Fee-only payment structures can be more desirable to some clients, as there’s no financial incentive based on assets under management for a planner to buy or sell, whereas working on commission encourages planners to make trades, rather than solely look out for your best interest—called a “fiduciary” duty. (You want to be sure that the planner you choose is a fiduciary.)
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3. She Says She Outperforms the Market
“If a financial planner tells you that she can outperform the market, that’s a major red flag,” Vient explains. “In fact, due to government regulations, it’s illegal to advertise statements that promise a specific return.”Outperforming the market—that is, getting better investment returns than the market average—is extremely difficult to do consistently, and requires taking a lot of risks with your investments. It’s rare to find a financial planner who can consistently outperform the market—and results are never guaranteed. Either way, in the pursuit of these high returns, she’ll be exposing your investments to much higher risk than you may be comfortable with.
Instead, look for a CFP® who, when looking at your portfolio, can advise on proper asset allocation based on your risk tolerance and time horizon, as well as through economic ups and downs.
4. She Doesn’t Ask About Your Financial Goals
“Your planner isn’t just there to crunch the numbers,” Vient advises. “She’s helping you make a plan for your money and your life. You should be looking for someone who has similar values to you.”Ideally, you’ll likely want to work with someone who is in a similar life stage. Are you a parent? A planner with children may be better able to understand your need to save for college. Does your CFP® have a specialty? Some planners have an area of expertise, like insurance, estate planning, divorce or retirement—a fact you might want to consider if that’s a particular need of yours.
When meeting a potential planner, remember that you’re allowed to ask questions about their experience and priorities: “Do you think it’s more important to save for retirement or pay off debt? How do you feel about supporting kids through college? How do you mitigate investment risk as your clients get older?”
The choices you make with your money are intensely personal. The person who helps you make these choices should be able to understand and accept your financial priorities, and help you use your money to meet them.
5. His Management Style Makes You Uncomfortable
Financial planners can manage your money for you or manage your money with you. As different people have different needs when it comes to money management, there is no right way to work with a planner—it’s up to you to decide how hands-on you want him to be.
When you sign on with a financial planner, there will be a written agreement of how the two of you will manage your money. Read this carefully, and ask questions if you’re unsure about anything. Are you signing your accounts over to this planner? Will he check in with you before making a trade, or when rebalancing your accounts? If you’re uncomfortable with anything in the agreement, bring it up immediately.Learn more about LearnVest Planning and our financial planners by visiting learnvest.com. To book your free consultation today, email FA_Support@learnvest.com or complete your request online.
LearnVest Planning Services is a registered investment adviser. The opinions expressed in this article are that of LearnVest Planning Services, a registered investment adviser. The advice provided may not be suitable for your individual situation and you should discuss your situation with a financial professional.
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Filthy hippies. Except for the hot chicks
So tent in Zucotti Park > apt in LES? Sounds about right.
Everyone keeps talking about the hot hippie chicks…pics or they don't exist.
Well, for certain definitions of "hot." Here are some topless ones. Again, this link is to TOPLESS chicks and is, by definition, NSFW.
http://conservativedailynews.com/2011/10/ows-prot…
We have a cleaning commissariat here! Staffed with men and women with expensive advanced degrees in Global Peace Studies, Cultural Anthropology, and Womyn's Studies!
Big fan of the bush?
The members in that last category must *really* be experts in cleaning.
No tents allowed, as I understand. The ordinance says no "structures" and the police are reportedly considering even a tarp over a pole to be a "structure." Should be interesting once Ma Nature starts intervening.
Let's just skip ahead to the inevitable violence.
The Jets and the Giants suck anyway and we're all bored. I'll take the cops and give the hippies a seven-concussion point spread.
I don't understand why none of these people are employed. It just does not make sense.
Clean bush
Just because you'd smash doesn't mean a girl's hot. Just means she's a girl.
The blonde with the multi-colored sleeves looks like she's got two fried eggs with broken yolks.
God bless capitalism for bringing me web-enabled smart phones so that I can see pics of topless chicks protesting the capitalist system while at work…
If I can tease that down to 5 with the over/under on arrests I'm in.
Tents in a park > Lower East Side
No joke.
stole my comment
Low end 5 beers, high end 20-2. Midmarket maybe 12 depending on how dark the bar is.
The parlay-tease is Goldman's earnings. The line is -$0.50/share. You can move it 10 cents per concussion.
The three-event tease is the length of Matt's next post. Line is 20,753 words. You can move it 1,000 words per 10 cents or concussion
Thank BeJesus there were also topless dudes. Otherwise I might have turned gay.
“Unsanitary? We have a cleaning department here,” said Junior Martinez
examining motives –
OWS : Cleaning Department :: UBS : Risk Management Department
Cleaning dept? Junior Martinez?
[examining motives]
And don't forget about the Afrika Studies people too – they are the true experts
I wish I had 4 hands so I could give those titties four thumbs down
- Rick James, CFA
Expect MAJOR grooming issues…
seems like their vision for society isn't too radical afterall…
"Afrika"?
Guten morgen, herr Rommel.
Binary scale > interval scale
OWS protestors waiting for mommy to arrive to pick-up after them. The NKI
Boo hoo, "give us water, give us Porta- Potties."
The clearest articulation to date of what these people are looking for.
Didn't I see an article where they said they had accumulated $40k in donations? Seems like water and sanitation would be good places to start spending it. Just sayin'.
usually people start reading comments at the top, work their way down and don't repeat earlier posts.
Exactly what I was thinking when I went balls long Lightsquared…
-Phil F
That braless chick with the short hair who got pepper-sprayed the first weekend was the hottest I've seen so far, although her "Kent State"-like drama queen routine was a little annoying.
I hope someone from the IRS is making note of the donations.
I love how Kanye West rolled up in $1,000 jeans with a $50,000 watch to protest capitalism. "ignance is bliss"
Wrong.
Anonymous
Universidad de Juarez '09
Not his politics per se but I liked his folksy Texas demeanor.
It just seems like there's still some light coming in from under the door…
You really fancy yourself the racial police around here with your snarky little historical references, don't you? He's making an off-color joke just like about everyone else on this website.
- Not the guest above, not really a fan of his work or your work, just a guy whining about pointless shit
They raised how much? Are they looking for a new project?
write that comment on cardboard instead and go occupy a small park in lower manhattan. you'll fit in better
Long Patchouli oil, short deodorant.
You're like Stevie to PermaGuest's Kenny. Bet that's where you wanted to end up at age 37, an internet apple polisher.
I'm going to click it at work!
– Guy who works at the SEC.
Sharon, CT version Josephina the illegal alien maid will be dispatched by mom ASAP when she sees your photo on a web news story (she still thinks your busy studying at school right now.)
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I fucked her brains out. she’s now crazy. i apologize.
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i want to see Sm also and i hope will see a lot od baley and baime miss them
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