There’s a difference - CFP board holds certified members to fiduciary standards, but if the members are not legally defined fiduciaries, the punishment is limited to revocation of CFP Board certification. When financial advisers and planners become legal fiduciaries, they come under the jurisdiction of the U.S. Code…

That’s the point - if I advise you to buy shares of the companies that make up the Dow Jones Industrial Average, I can charge transaction fees, commissions, and management fees for each of the stock purchases. Or, I could advise you to buy shares of the SPDR Dow Jones Industrial Average ETF (DIA), and charge you…

Oh, this changes a LOT. I know someone who lost a substantial fortune to a dishonest financial adviser. When it went to court the judge told her “it’s just as if this man had robbed you at gunpoint, but we have no recourse to recover your money.” And that’s how senior citizens who should have been set for life wind…

U.S. Code, Title 29, Chapter 18:

Plenty of stuff all wrong, but there’s a lot of traffic going both ways so there’s a constant threat of scraped off by opposing traffic.

I actually went on enabled my Flash player, and then the video wouldn’t play, so I probably just installed a trojan or something. No more Flash, ever.

Took a training course, scored 100% on four consecutive tests. Used typed flash cards instead of handwritten notes for the final, came in at 87%. No more typed notes. Ever.

Brand image, yes, and brand strategy as well. Chevy (and GM) has historically maintained a defensive strategy.

It’s a trick question. GMO labels are like warrants for listening to phone calls. The govt can’t get a warrant to eavesdrop on an individual, because they are effectively eavesdropping on everyone.

Kong? Noooooooooooooooooooooo!!!!!!!!

At 1:12, you can clearly see the cat mouthing “Aresto Momentum!”

Only ever made one “tight” connection. Had a 45-minute connection at JFK. Flight from Syracuse was delayed 30 minutes for deicing. Got to JFK, landed at Gate 20 (IIRC), as we got off the plane, the connecting flight was boarding at Gate 21, had enough time to grab a sandwich from the shop across the aisle, walk 15 ft…

OK, but remind me why we’re talking about the A3 again?

Bad decisions that have real impacts on people’s lives need rationalization

I have been alive for many generations. I have seen sights that few alive today can imagine. I have traveled across many eons to deliver this message:

I feel for you - my wife gets claustrophobic, so when we fly together, it’s off to the MD for anti-anxiety support (Valium or Ativan)...

Wow, THAT sucks. Most planes are pressurized to around 14,000 ft, which is like being at the top of a ski mountain, so sometimes you do get strange reactions. My absolute worst was the time I learned not to eat a lot of gassy foods right before the flight...fortunately the flight was very, very empty, so there were no…

I do a lot of the same stuff. But I put all my entertainment in my phone - sudoku game, kindle books, TV shows, movies, music, magazines. I’ve seen quite a few iPads and Kindles get left in the seat pocket, but my phone is always in my pocket when it’s time to deplane.

Not as elegant, but try one these in San Francisco

I actually saw this on a Discovery special. When Erik the Red left Iceland, he called his new home Greenland to lure other settlers to “greener pastures.”