Expert Advisor Quotes

The BDS on campus operation is organized by, among others, a group in Chicago, Illinois, called American Muslims for Palestine, or AMP. For years, AMP, through its sponsorship of Students for Justice in Palestine (SJP), has been sending strategists, digital and communications experts, graphic designers, video editors, and legal advisors to colleges all over America and running flashy events in expensive hotels for the purpose of delegitimizing Israel, minimizing pro-Israel voices on campus, and harassing Jewish and pro-Israel students in order to deter them from supporting Israel. The embodiment of Cancel Culture. Managing such a sophisticated network of political operatives, extensive marketing, and (pre-COVID) ritzy gatherings at nice hotels is extremely expensive.11 So where is the money coming from? I

Kraus asks the question of Freudian analysis: What would be enough? At what point would talking about one’s problems for x hours a week, be sufficient to bring one to a state of “normalcy”? The genius of Freudianism, Kraus writes, is not the creation of a cure, but of a disease—the universal, if intermittent, human sentiment that “something is not right,” elaborated into a state whose parameters, definitions, and prescriptions are controlled by a self-selecting group of “experts,” who can never be proved wrong. It was said that the genius of the Listerine campaign was attributable to the creation not of mouthwash, but of halitosis. Kraus indicts Freud for the creation of the nondisease of dissatisfaction. (See also the famous “malaise” of Jimmy Carter, which, like Oscar Wilde’s Pea Soup Fogs, didn’t exist ’til someone began describing it.) To consider a general dissatisfaction with one’s life, or with life in general as a political rather than a personal, moral problem, is to exercise or invite manipulation. The fortune teller, the “life coach,” the Spiritual Advisor, these earn their living from applying nonspecific, nonspecifiable “remedies” to nonspecifiable discomforts.The sufferers of such, in medicine, are called “the worried well,” and provide the bulk of income and consume the bulk of time of most physicians. It was the genius of the Obama campaign to exploit them politically. The antecedent of his campaign has been called Roosevelt’s New Deal, but it could, more accurately, be identified as The Music Man.

[Tolstoy] denounced [many historians'] lamentable tendency to simplify. The experts stumble onto a battlefield, into a parliament or public square, and demand, "Where is he? Where is he?" "Where is who?" "The hero, of course! The leader, the creator, the great man!" And having found him, they promptly ignore all his peers and troops and advisors. They close their eyes and abstract their Napoleon from the mud and the smoke and the masses on either side, and marvel at how such a figure could possibly have prevailed in so many battles and commanded the destiny of an entire continent. "There was an eye to see in this man," wrote Thomas Carlyle about Napoleon in 1840, "a soul to dare and do. He rose naturally to be the King. All men saw that he was such." But Tolstoy saw differently. "Kings are the slaves of history," he declared. "The unconscious swarmlike life of mankind uses every moment of a king's life as an instrument for its purposes." Kings and commanders and presidents did not interest Tolstoy. History, his history, looks elsewhere: it is the study of infinitely incremental, imperceptible change from one state of being (peace) to another (war). The experts claimed that the decisions of exceptional men could explain all of history's great events. For the novelist, this belief was evidence of their failure to grasp the reality of an incremental change brought about by the multitude's infinitely small actions.

Here’s What I Believe about Good VCs Good VCs help entrepreneurs achieve their business goals by providing guidance, support, a network of relationships, and coaching. Good VCs recognize the limitations of what they can do as board members and outside advisors as a result of the informational asymmetry they have with respect to founders and other executives who live and breathe the company every day. Good VCs give advice in areas in which they have demonstrated expertise, and have the wisdom to avoid opining on topics for which they are not the appropriate experts. Good VCs appropriately balance their duties to the common shareholders with those they owe to their limited partners. Good VCs recognize that, ultimately, it is the entrepreneurs and the employees who build iconic companies, with hopefully a little bit of good advice and prodding sprinkled in along the way by their VC partners. If VCs remain good, they won’t become dinosaurs.

He talks about the way in which the American academy "assigns an official group identity" to students, eliminating the distinction "between voluntary association and imposed group identity." For example, "a Jewish student who is totally assimilated—whose Jewish identity is totally unimportant to him—goes to college and is assigned a special Jewish advisor." The academy also distinguishes between people who "own" their sexual, racial, or gender identity and those who, in its view, have "internalized their oppression.' For example, Kors says, Walter Olson, a tort reform expert at the Cato Institute who happens to be gay, "is not really gay because he doesn't understand the sources of his oppression." Thomas Sowell, an African American author based at the Hoover Institution, "isn't really black." And "Daphne Patai, a founder of Women's Studies at Amherst, isn't really a woman because she identifies with the oppressive culture around her. So in the humanities, when they speak of diversity, the one kind of diversity they don't mean is individuated intellectual diversity." On the contrary, there's a process of "vetting against individuation. The people who are most discriminated against, then, are not straight white males who just roll over and play along, but rather libertarian and conservative blacks, women who are critics of feminism, and gays and lesbians who are critics of the 'official' gay and lesbian positions on every issue in the world.

I saw Clinton again during the signing of the peace treaty with Jordan in Israel’s Arava Valley in 1995. That year, I also sent him my third book on terrorism, Fighting Terrorism, and he sent me back a cordial letter. Notwithstanding his civility, I knew his administration would do anything to defeat me. In fact they did. Totally committed to the idea of a fully independent Palestine, they were not aware that Rabin himself had been opposed to such a state. Clinton sent his number one campaign strategist, James Carville, his pollster Stan Greenberg and his top team of experts to Israel to help tip the scales in Peres’s favor. Special envoy Dennis Ross would later say, “We did everything we could to help Peres,” and Clinton’s national security advisor, Sandy Berger, would also later admit, “If there was ever a time that we tried to influence an Israeli election, it was Peres vs. Netanyahu.”23 Normally such an outrageous and systemic interference in another democracy’s elections would elicit outcries of protest from the press in America and Israel alike. No such protests were heard. Totally supportive of Peres, the press in both Israel and the United States was silent. Though the odds were stacked against us, we weren’t fazed. “About Carville,” Arthur said, “we can beat him.” Clinton and Peres organized an international peace conference in Sharm el-Sheikh a few weeks before the elections. Peres, Clinton, President Hosni Mubarak of Egypt, King Hussein of Jordan, and Arafat all showed up and danced the dance. Yet a few months earlier, soon after Peres was installed without an election as replacement prime minister following Rabin’s assassination, King Hussein had sent me a message through his brother Crown Prince Hassan, asking: Would I meet Hassan secretly in London? In a London flat the crown prince and I hit it off immediately. I liked Hassan. Straightforward, with a humorous streak, he didn’t even attempt to hide his concern about a Peres victory. Though they wouldn’t admit it publicly, he and many Jordanian officials I met over the years were concerned that an armed Palestinian state could destroy the Hashemite regime and take over Jordan.

My investment philosophy changed when I read Charles Ellis’ book Winning the Loser’s Game. The book was given to me by my employer at the time, Michael Goodman, founder of Wealthstream Advisors, Inc. Ellis convinced me that trying to beat the market is a losing proposition. In golf, par is a good score, and avoiding bogeys is more important than making birdies. Very few professional investors beat the market consistently, after accounting for the costs. The most important takeaway from Ellis’ books is that the market return is a good return. The proliferation of low-cost index funds means that the market return is ours for the taking, if only we accept it. I have not purchased an individual stock since reading that book.

Case #6 Sandy and Bob Bob is a successful dentist in his community. In the 15 years since he established his own practice, he has established a reliable base of patients and has built a thriving business in a great location. A couple years ago, he brought his wife, Sandy, a business expert with an MBA, on board to help him oversee the business end of the dental practice. She had recently left her job at a financial services firm, and Bob knew that Sandy’s business acumen would be helpful in getting his administrative house in order. She brought on new employees, developed effective new processes, and enhanced the office’s marketing efforts. Within a few months, Sandy’s improvements had managed to make the dental practice a well-oiled machine. Now she could turn her attention to their real estate portfolio. Bob and Sandy owned three small apartment buildings around town, as well as one small commercial center that was home to a nail salon, a chiropractor’s office, a coffee house and a wine shop. Fortunately, Bob’s dental practice was a success and their investments earned a nice passive income for them. Unfortunately, because Bob earned on average $250,000 per year, the couple couldn’t use passive loss, which in their case came to about $100,000, from their investments to offset his high earned income. Eventually, they would be earning sheltered profits—when the mortgages on their properties were paid off and the rentals made pure profit, or if they were to sell a property. When those things eventually happened, they could use their losses to shelter those profits. But until that time, the losses were going unused. Sandy made an appointment with their CPA to discuss the situation and see how they might improve their tax situation. The CPA asked, “What about becoming a real estate professional?” He explained to Sandy that if she spent 750 hours per year, or about 15 hours a week, on the couple’s real estate investments, she would be considered a real estate professional by the IRS. This would enable the couple to write off 100 percent of their passive losses against Bob’s high income, which would bring his taxable income down to $100,000. This $100,000 deduction brought Bob and Sandy into a lower tax bracket, saving them roughly $31,000 in taxes. Sandy already devoted a large percentage of her time to overseeing their investments, and when she saw the tax advantages, her decision became clear: She would file the Section 469(c)(7) and become a real estate professional.

Of course, not many of us have the experience or time to do this level of research. That’s where a talented fiduciary advisor who’s an expert in the area might come in handy.

USING YOUR NEST EGG TO DELAY CLAIMING If you’re fortunate enough to have a nest egg and you want to retire, you can consider withdrawing more savings up front as a way to hold off starting your Social Security benefit. But does the strategy make sense? It well may, and there are some important things to keep in mind. Social Security benefits go up about 7 percent for each year they are not claimed between age 62 and your full retirement age. Wait longer and the reward grows even more: Benefits increase 8 percent annually for each year they are not claimed between full retirement age and 70. Are your financial resources adequate to support your lifestyle without Social Security, so you can delay claiming and lock in the income gains I just described? The issue can get complicated, and those interested may want to talk it over with a financial advisor. Among the considerations are the following: The tax bite: A portion of your Social Security benefit may be subject to income tax (though at least 15 percent is tax free for everyone). Withdrawals from (non-Roth) Individual Retirement Accounts will surely have tax implications. But some research has shown that withdrawing more up front may reduce the tax bite later. Check your situation with an expert. Family income: Is your spouse eligible for Social Security based on his or her work record? This increases your options. Just know that your total income may affect whether your Social Security benefits are subject to income tax, how much, and whether it makes sense to delay claiming. (See Chapter 13 for a discussion of income tax rules and Social Security, including provisional income.) Your investments: Consider reasonable rates of return, including your appetite for risk, in weighing the pros and cons of delaying a claim for Social Security. It’s extremely difficult to beat Social Security’s guaranteed returns. Finally, a note of caution (and common sense): If your nest egg is modest, the strategy of withdrawing savings to delay Social Security may be unwise, because it’s important to have a cushion. Be realistic when calculating how much of a cushion you need.

In our secular capacity, we should excel as administrators, staff advisors, supervisors, and advocates of our institutions. We also are religious experts who fulfill pastoral and prophetic functions and serve as ethical guides and spiritual mentors. In both institutional and religious settings, we ought to model proficiency, integrity, industry, godly character, and constructive moral influence.

Our society tends to hold experts in high esteem. Patients routinely surrender their care to doctors, investors listen to financial advisors, and receptive TV viewers tune in to pundits of all stripes. But what is the basis for this unquestioning faith in experts?

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We might put this quarrel down to the traditional rivalry between these two universities and treat it as insignificant, except that the latter, scoffing, scientist turned out to be the advisor on nuclear power production to Governor Thornburg of Pennsylvania, and was in the thick of the expert advice at TMI.

Avensure H&S & HR Outsourcing Services is a team of reputable UK-based HR outsourcing services experts. Our consultancy firm provides employment law advice for employers, especially health & safety consulting. We provide bespoke employment law advisory services and clients will be assigned with HR advisors, documentation consultants and solicitors. Over the years, our employment law services for employers have been among the best in all health and safety consultant companies in the country. Our office is located in Manchester, UK.

Agents need to be many things all at once. At times you will wear the hats of legal counsel, therapist, financial advisor, friend, organizer, market expert, and salesperson.

BJ Miller BJ Miller (TW: @zenhospice, zenhospice.org) is a palliative care physician at the University of California at San Francisco and an advisor to the Zen Hospice Project in San Francisco. He thinks deeply about how to create a dignified, graceful end of life for his patients. He is an expert in death. Through that, he’s learned how we can dramatically improve our own lives, often with very small changes. He has guided or been involved with ~1,000 deaths, and he’s spotted patterns we can all learn from. BJ is also a triple amputee due to an electrocution accident in college. His 2015 TED talk, “What Really Matters at the End of Life,” was among the top 15 most viewed TED talks of 2015.

If you're looking for a fiduciary advisor in the Northville area, we can help. Our Fiduciary advisor Northville at Financial Strategies Group, INC of experts, is ready and waiting to partner with you to create an estate plan or financial plan tailored specifically to your needs. We make it our goal to ensure all of our clients get the most out of their money while still enjoying peace of mind about what will happen if they ever become incapacitated or pass on unexpectedly.

On the other side of the door, literally and figuratively, were ambassadorial staff and experts and advisors, from Earth, from the Colonial Union, and from the Conclave. If one was quiet, one could feel their combined howling frustration at not being in the room at the moment.

QuickBooks Online Help +1-877-788-4840 QuickBooks Online Help the original Intuit QuickBooks Support Phone Number can be found, as you might imagine. The QuickBooks site has a wealth of resources for anyone using any version of their software. This official QuickBooks community is attentive, interactive, and even features members who are QuickBooks ProAdvisors, accounting professionals and small-business owners. In this QuickBooks community, you can find help articles, Q&A and guides to get started with your software. Similarly, the getting started guides offer articles on how to download and set up QuickBooks, as well as tutorials explaining basic QuickBooks functions. In the Q&A section, you’ll find questions posed by real users in the QuickBooks community, and answers from other users as well as accounting and bookkeeping experts. Questions cover the full range of topics relating to using QuickBooks — and you can search the site to find a posting that addresses any question you might have. The QuickBooks site also gives you the ability to filter questions based on the specific software you’re using. Furthermore – and perhaps most importantly, if you can’t find help from an existing posting, you have the opportunity to pose your own QuickBooks question and start a discussion on this topic within the community.

Title: Opening Development: The Job of market research consultant in india In the consistently developing scene of business in India, remaining in front of the opposition requires a profound comprehension of market elements, customer conduct, and arising patterns. This is where statistical surveying specialists assume a significant part. With their ability in information examination, industry bits of knowledge, and vital direction, statistical surveying experts enable organizations to pursue educated choices and explore the intricacies regarding the Indian market. In this article, we dig into the meaning of market research consultant in india and how they drive development and advancement. Exploring Different Business sectors: India is a place that is known for variety, where every district has its own exceptional social, financial, and social elements. Statistical surveying advisors have the aptitude to explore through these assorted business sectors, giving important experiences customized to explicit areas. Whether it's comprehension shopper inclinations in metropolitan communities like Mumbai and Delhi or taking advantage of the thriving business sectors of Level 2 and Level 3 urban areas, statistical surveying advisors offer limited systems that reverberate with the interest group. Uncovering Customer Bits of knowledge: Purchaser conduct is continually developing, affected by elements, for example, financial changes, mechanical progressions, and social movements. Statistical surveying experts utilize a scope of philosophies, including overviews, center gatherings, and information examination, to reveal well established customer experiences. By figuring out the requirements, goals, and trouble spots of the objective segment, organizations can tailor their items, administrations, and promoting methodologies to resound with buyers on a significant level. Recognizing Arising Patterns: In the present quick moving business climate, keeping up to date with arising patterns is vital for keeping an upper hand. Statistical surveying advisors have practical experience in pattern examination, observing business sector developments, contender exercises, and mechanical advancements. By distinguishing arising patterns from the beginning, organizations can gain by new open doors and turn their systems in like manner. Whether it's the ascent of online business, the reception of reasonable practices, or the developing interest for computerized arrangements, market research consultant in india give priceless prescience to direct business choices. Relieving Dangers: Each undertaking involves a specific level of hazard, whether it's entering another market, sending off another item, or extending tasks. Statistical surveying specialists direct careful gamble evaluations, recognizing possible entanglements and moderating elements that could influence business achievement. Through thorough market examination, contender benchmarking, and situation arranging, statistical surveying specialists empower organizations to go with informed risk-the executives choices, limiting vulnerabilities and boosting open doors for development. Driving Advancement: Development is the soul of business achievement, powering development, separation, and supportability. Statistical surveying experts cultivate a culture of development by uncovering neglected needs, distinguishing market holes, and investigating undiscovered open doors. By utilizing market knowledge and shopper experiences, organizations can improve items, administrations, and plans of action that reverberate with the advancing requirements of the market. Whether it's creating state of the art advancements, troublesome plans of action, or advancement showcasing methodologies, statistical surveying experts engage organizations to remain in front of the development bend. All in all, statistical surveying experts assume a basic part in opening development and deve

1. While leaving on market research consultant in india , choosing the right advisor is principal to the outcome of your undertaking. The scene of statistical surveying specialists in India is immense and changed, going with the choice making process a pivotal step towards accomplishing precise and noteworthy bits of knowledge. To explore this scene successfully, it's fundamental to comprehend your examination needs, assess specialist mastery, survey industry information, audit approaches, consider spending plan and timetables, look for client references, and arrange terms actually. This article fills in as a thorough manual for assist you with picking the right market research consultant in india . 2. ### The most effective method to Pick the Right Statistical surveying Expert in India #### 1. Understanding Your Statistical surveying Needs **Distinguishing Exploration Objectives:** Prior to jumping into the universe of statistical surveying experts, it's urgent to have a reasonable comprehension of what you need to accomplish. Whether it's starting another item, grasping shopper conduct, or venturing into another market, characterizing your exploration goals will direct you in choosing the right expert. **Characterizing Objective Audience:** Who are you attempting to reach with your exploration endeavors? Distinguishing your main interest group - be it age, area, interests, or buying propensities - will assist in reducing advisors who with having experience in arriving at comparable socioeconomics. --- #### 2. Assessing Specialist Aptitude and Experience **Inspecting Specialist Credentials:** Don't be modest to dive into the foundations of expected advisors. Search for affirmations, affiliations with respectable associations, and whatever other qualifications that exhibit their skill in the field. **Surveying Past Ventures and Case Studies:** Past execution is much of the time a decent mark of future achievement. Solicitation to see contextual analyses or instances of past activities like yours to check the specialist's abilities and history. --- #### 3. Evaluating Industry Information and Bits of knowledge **Assessing Area Explicit Expertise:** Various enterprises have special difficulties and purchaser ways of behaving. Guarantee the specialist you pick has a strong handle of your industry and has chipped away at projects inside that area. **Taking into account Market Patterns Awareness:** The market scene is steadily evolving. A proficient specialist ought to be fully informed regarding the most recent patterns, developments, and interruptions inside your industry to give significant experiences and suggestions. 4. Looking into Systems and Approaches **Investigating Exploration Techniques:** Statistical surveying includes many approaches, from studies and center gatherings to information examination and pattern anticipating. Examine with expected experts about the methods they utilize and how they line up with your examination objectives. **Understanding Information Assortment Methods:** Information is the foundation of statistical surveying. Ensure the specialist utilizes solid and moral information assortment techniques to guarantee the precision and uprightness of the experiences they give. Keep in mind, picking the right statistical surveying specialist is as much about their skill and experience for what it's worth about their similarity with your association's objectives and culture.

An expert is someone whose thinking is regularly sought and paid for.

Why was I bent on encouraging people to change their lives? Because I've watched my generation stop reading books, stop reading the newspaper, stop voting in local elections? Because I've watched money/salary become a proxy for respect, and then a synonym for respect, and then the only kind of respect that counts? Because I have seen us judge books we have not read, politicians we have not heard, musicians we have not listened to, referendums we have not debated, and fellow citizens we have not met? Because I have seen us torn apart by jealousy for what others our age have accomplished, rather than celebrating those accomplishments? Because I have seen us glorify those who make decisions over those who enact decisions, prefer being a consultant to being fully engaged, being an investor to being invested in, being an advisor over being politically involved, being an expert over being partisan, being a news analyst over being a news gatherer--all in fear of the inflexible boredom of commitment?

During NASA’s first fifty years the agency’s accomplishments were admired globally. Democratic and Republican leaders were generally bipartisan on the future of American spaceflight. The blueprint for the twenty-first century called for sustaining the International Space Station and its fifteen-nation partnership until at least 2020, and for building the space shuttle’s heavy-lift rocket and deep spacecraft successor to enable astronauts to fly beyond the friendly confines of low earth orbit for the first time since Apollo. That deep space ship would fly them again around the moon, then farther out to our solar system’s LaGrange points, and then deeper into space for rendezvous with asteroids and comets, learning how to deal with radiation and other deep space hazards before reaching for Mars or landings on Saturn’s moons. It was the clearest, most reasonable and best cost-achievable goal that NASA had been given since President John F. Kennedy’s historic decision to land astronauts on the lunar surface. Then Barack Obama was elected president. The promising new chief executive gave NASA short shrift, turning the agency’s future over to middle-level bureaucrats with no dreams or vision, bent on slashing existing human spaceflight plans that had their genesis in the Kennedy, Johnson, Nixon, Ford, Carter, Reagan, Bush, Clinton, and Bush White Houses. From the starting gate, Mr. Obama’s uncaring space team rolled the dice. First they set up a presidential commission designed to find without question we couldn’t afford the already-established spaceflight plans. Thirty to sixty thousand highly skilled jobs went on the chopping block with space towns coast to coast facing 12 percent unemployment. $9.4 billion already spent on heavy-lift rockets and deep space ships was unashamedly flushed down America’s toilet. The fifty-year dream of new frontiers was replaced with the shortsighted obligations of party politics. As 2011 dawned, NASA, one of America’s great science agencies, was effectively defunct. While Congress has so far prohibited the total cancellation of the space agency’s plans to once again fly astronauts beyond low earth orbit, Obama space operatives have systematically used bureaucratic tricks to slow roll them to a crawl. Congress holds the purse strings and spent most of 2010 saying, “Wait just a minute.” Thousands of highly skilled jobs across the economic spectrum have been lost while hundreds of billions in “stimulus” have been spent. As of this writing only Congress can stop the NASA killing. Florida’s senior U.S. Senator Bill Nelson, a Democrat, a former spaceflyer himself, is leading the fight to keep Obama space advisors from walking away from fifty years of national investment, from throwing the final spade of dirt on the memory of some of America’s most admired heroes. Congressional committees have heard from expert after expert that Mr. Obama’s proposal would be devastating. Placing America’s future in space in the hands of the Russians and inexperienced commercial operatives is foolhardy. Space legend John Glenn, a retired Democratic Senator from Ohio, told president Obama that “Retiring the space shuttles before the country has another space ship is folly. It could leave Americans stranded on the International Space Station with only a Russian spacecraft, if working, to get them off.” And Neil Armstrong testified before the Senate’s Commerce, Science & Transportation Committee that “With regard to President Obama’s 2010 plan, I have yet to find a person in NASA, the Defense Department, the Air Force, the National Academies, industry, or academia that had any knowledge of the plan prior to its announcement. Rumors abound that neither the NASA Administrator nor the President’s Science and Technology Advisor were knowledgeable about the plan. Lack of review normally guarantees that there will be overlooked requirements and unwelcome consequences. How could such a chain of events happen?

Advisors who rate the highest on reliability will not just deliver their work on time and on spec. Nor will they simply be consistent, even at a level of excellence. They will also be expert at a variety of small touches that are aimed at client-based familiarity. Sending meeting material in advance is one example; staying current on client events and names is another. Reliability on the emotional level has a great deal to do with the client’s preferences, and not just with consistency from the service provider’s perspective. Strategies

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less an authority than financial advisor marketing expert Bill Good recognizes this, and he refuses to allow his salespeople to ask for referrals. As he puts it, “They manifestly do not work.”1 In fact, Good tells the story of an advisor who got a pesky client to stop calling him by asking for a referral each time she called!

Students who made it to the USSR faced other obstacles, too. Richard Stites’s advisor told him that he was unfit (as a man) to write a dissertation on feminism in nineteenth-century Russia,

Despite having grown from the work of a single congressional staffer and his single academic advisor and despite the lack of endorsement from nutrition experts, these are the now most broadly recognizable food guidelines in the United States, familiar to all schoolchildren and highly influential in determining school lunches and nutrition education across the country.

What makes it reasonable to accept anthropogenic climate change is not the fact that 95% of all climate scientists agree. It’s why they agree. Even non-experts can figure out that the experts agree: a survey of all peer-reviewed abstracts on the subject ‘global climate change’ published between 1993 and 2003 showed that not a single paper rejected the position that global warming is largely caused by human behavior. Climate scientists are not arguing about whether global warming is happening. They’re not arguing about whether humans are largely responsible for global warming. They may be arguing about what action to take. In that case, they should be considered as advisors by those who make policy. Unfortunately, many of those who make policy seem to be ignoring the climate scientists in favor of beliefs pushed by gas, oil, and other corporate interests. Those interests should be considered, but not to the exclusion of the science experts. A

Most big retail firms sell you notes that have substantial commissions, underwriting fees, and distributions fees; all of these will take away from your potential upside. Accessing structured notes through a sophisticated, expert fiduciary (a registered investment advisor) will typically have those fees removed because a fiduciary charges a flat advisory fee. And by stripping out those fees, performance goes up.

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