Why put yourself in a situation where you need to find that diamond in the rough to avoid a conflict?Better to avoid that significant conflict of interest altogether, and if you are going to work with an advisor, work with one who gets paid the same regardless of the risk level of the portfolio.The second conflict that I would flag to regulators is a hidden one, and comes from the Insurance industry.Have you ever applied for life insurance (or other health related insurance) and been told that you can move forward, but that you are being rated? This means that for a variety of reasons, you will have to pay more per year to get the same dollar amount of coverage. As a consumer, this is not ideal, but it becomes part of the overall decision making process. From the insurance company perspective, they believe you won live as long so you have to pay a higher rate for fewer years in exchange for an earlier payout or a higher risk of a payout.What you probably don know is that your insurance broker would get paid more for the same coverage if you are rated than if you are not.
Carmichael Lynch is best known for its work on Harley Davidson and, more recently, Subaru. But it recently restructured to make public relations and digital more central to its offering, a move that seems to be paying off. It bested hotshop R/GA in a pitch for Subaru’s digital work last year, and it recently won separate public relations and creative pitches for cookery marketer Calphalon..
We already won two championships together and I hope we win a third. Wednesday once he cleared waivers. He picked the Cavaliers over the Thunder and Heat.. No matter what media classified ads are viewed through, these small text ads are a significant source of customers for many home based and small businesses. An inexpensive three line ad placed in print, in an online yellow pages ad, or through search engines can deliver customers who need your product or service now. More importantly, if the ad is run regularly, it builds future business by making your name familiar and establishing your credibility..
Five years ago, Jennifer Brea was struck down by ME (Myalgic Encephalomyelitis), and found herself bed bound, a prisoner in her own body. Now, she has invited the world on an intimate journey into a condition that some deny even exists, interviewing fellow patients from all over the world from her sickbed. She spoke to the BBC’s Natasha Lipman..
He could have killed someone and it was absolute stupidity. But I miss him. So much. In 1978, though both had displayed a developing basketball pedigree, they were not widely recognized as elite players. At that juncture, neither had won an NBA championship, a league MVP, or, for that matter, an NCAA title. The irony of Bird and Magic commencing their storied relationship as teammates did not register because their parallel careers had not yet evolved into one of the compelling rivalries in basketball history..