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" ... And then John Bogle (1929-2019) ruined that nice line of work. Now, not just his Vanguard Group but Fidelity, BlackRock and other vendors are mass-marketing index funds. BlackRock’s iShares Core S&P Total U.S. Stock Market exchange-traded fund has a 0.03% annual fee and earns most of that back by lending out securities to short-sellers. With this you get a professionally managed, extremely well diversified portfolio at a net cost of $50 a year per $1 million. ... "
" ... Because of all this “make believe,” the last two decades have ruined marketing, and actually brought harm to society in ways that we could not even have contemplated previously. Here’s how. ... "
" ... It's essential to have a proper digital strategy in place. But, even the best tech innovation can be ruined without the right mindset to adopt. When it comes to success in 2021, the proper user-centered culture is what determines the success potential of any FI. A user-centered inner culture puts the focus on the customer at every level of the company, starting from business processes to team members, their duties, the ways these efforts are measured and, finally, the value that the FI delivers to its customers. A true user-centered financial brand will be able to succeed despite any external circumstances. ... "
" ... Then there is the question of what you can do with that visibility. Is it just a situation where you get bad news and your day has been ruined because there is nothing you can do? Or do you have applications and a playbook that allow you to mitigate, or even better, solve the problem? ... "
" ... WWE is so low on star power, and has ruined so many babyfaces, it seems they’re considering rolling out Adam Pearce as a potential challenger against Roman Reigns, and you know what? I’m here for it. Pearce is still a very capable wrestler. ... "