POPULARITY
Der europäische Markt galt vielen amerikanischen Banken lange Zeit als schwieriges Pflaster: vielsprachig, regulatorisch sehr fragmentiert und auch sonst von sehr unterschiedlichen Finanzierungstraditionen geprägt. Doch die Zeiten haben sich geändert: mit europäischem Binnenmarkt, europäischer Währungsunion und zentralen europäischen Aufsichtsbehörden ist ein Wirtschaftsraum entstanden, in dem auch Finanzinstitutionen aus Übersee in gewohnten Größenordnungen denken können. Nach dem Brexit zumindest auf dem Festland.Davon profitiert auch Frankfurt, wie der Fall Goldman Sachs beweist. Von hier aus soll Goldman Sachs Europe wachsen und hat dafür vom Mutterhaus 6 Milliarden Euro frisches Kapital erhalten. Die Chancen dafür stünden jedenfalls sehr gut, meint Matthias Bock. Er ist Mitglied des Vorstands und General Counsel der Goldman Sachs Europe SE. Auf der Dachterrasse des Marienturms, mit Blick auf die Finanzmetropole, verweist er auf die ungekannten Umwälzungen, vor denen die Wirtschaft in Europa stehe. Ohne Kapitalmarkt seien diese nur schwierig zu stemmen. Warum Matthias Bock den Kapitalmarkt als eines der wichtigsten Argumente für das Wachstum von Goldman Sachs in Europa sieht, erläutert er in der dieser Folge von Mein Finanzplatz, dem Podcast von Frankfurt Main Finance.
Join our community here. This podcast episode is sponsored by Burgopak. Burgopak delivers award-winning innovative packaging solutions for some of the world's leading companies in Fintech. Discover how tangible physical touchpoints are crucial in digital banking with the Burgopak 'Welcome to the club' book; Request your free copy, contact info@burgopak.com Welcome to your daily FinTech news! In case you missed it, please see below today's most relevant news, or tune in to our Daily Fintech Podcast here. NEWS HIGHLIGHT Apple Pay captures just 2.4% of in-store transactions. Apple Pay retains its commanding lead over other mobile wallets used for in-store payments in the U.S. — but its share of all in-store transactions remains negligible. Link here BREAKING NEWS Sezzle signs new $100M credit facility. The new facility replaces its prior facility with Goldman Sachs Bank and Bastion, and will support Sezzle's operations in the U.S. and Canada. Link here FINTECH NEWS BigPay adds three new services to its major payment license issued by the Monetary Authority of Singapore for account issuance service, domestic money transfer, and e-money issuance service in Singapore. Link here Cardless targets brick-and-mortar shoppers. They are planning a digital-first rewards credit card with American Express that targets shoppers at stores and restaurants leasing space. Link here Current migrates to Visa DPS Forward Platform. Leading U.S. financial technology platform announced it has successfully seamlessly migrated to the Visa DPS Forward platform. Link here
Zum Auftakt der Berichtssaison haben die US-Großbanken allesamt Gewinneinbrüche vermelden müssen. Da ihre Geschäftsentwicklung seit jeher als Konjunkturindikator herangezogen wird, könnte dies als schlechtes Vorzeichen für die Märkte gewertet werden und Rezessionsängste nähren. Deka-Fondsmanager Andreas Thomae gibt in der neuen Folge von Handelsblatt Today allerdings zu bedenken, „dass sich die Banken mit einem Gipfeljahr wie 2021 vergleichen, was so in der Form schwer zu wiederholen ist.“ Insofern könne man die Gewinneinbrüche auch als eine gewisse Normalisierung interpretieren – gerade, was das klassische Investmentbanking angeht. Bei Goldman Sachs schrumpfte das Geschäft mit Aktienemissionen im zweiten Quartal um fast 90 Prozent im Vergleich zum Vorjahr. Die anderen großen Geldhäuser an der Wall Street haben ähnliche Probleme im Investmentbanking: Fusionen und Übernahmen werden nach Möglichkeit verschoben und nur noch wenige Firmen trauen sich aufs Börsenparkett. Grund sind der Ukraine-Krieg sowie Inflations- und Rezessionssorgen. „In den USA sind die Zinsängste sehr dominant“, sagt Thomae. Damit sind Sorgen vor einer Rezession auf Grund der deutlich gestrafften Geldpolitik der US-Notenbank Fed gemeint. „Aber die Fed muss das machen, weil die Inflation einfach exorbitant hoch ist und sich sonst eine Lohn-Preis-Spirale ergibt“, sagt Thomae. Das sei nicht tolerierbar. Doch sind die Rezessionsrisiken bereits ausreichend in den Aktienkursen von JP Morgan, Goldman Sachs & Co. eingepreist oder sind die Erwartungen der Märkte zu optimistisch? Darüber spricht Host Anis Mičijević in der neuen Folge von Handelsblatt Today mit Deka-Fondsmanager Andreas Thomae. *** Exklusives Angebot für Handelsblatt Today-Hörer: Testen Sie Handelsblatt Premium 4 Wochen für 1 € und bleiben Sie immer informiert, was die Finanzmärkte bewegt. Mehr Informationen: www.handelsblatt.com/mehrfinanzen
Plus: Some parts of a classified review of U.S. military involvement in Afghanistan may not be released, WSJ reports. Foreign investment in U.S. real estate falls for fifth straight year. J.R. Whalen reports. Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome to my conversation with Laurent Gagnebin – Chief Executive Officer of Rothschild & Co Bank in Zurich. 00:00 - The Rothschild & Co Hybrid Model 05:40 - Navigating Through the Covid Crisis 12:50 - Global Advisory / Wealth Mgt. / Merchant Banking 15:40 - Invest in Private Companies 24:36 - Global Megatrends & ESG 32:25 - Finding Value in 2021 & Beyond 36:40 - Key Learnings About Laurent Gagnebin: Laurent has been Chief Executive Officer of Rothschild & Co Bank in Zurich since 2016. In 2011, he took over as Head of the Geneva subsidiary of the Rothschild & Co Group. Prior to that, he was Head of Investec Bank in Geneva. He started his career in the banking sector at Goldman Sachs Bank in Geneva. Prior to that, he initially worked in the hotel industry for several years after graduating from the Lausanne Hotel Management School. Laurent Gagnebin graduated from the University of Maryland with an MBA.
Have you ever thought to sell your business and start anew? It's challenging to know how to sell your business at a good price and deal. Studies have shown that business owners have a success rate of 5% in selling their businesses! It's not just about the exit; you need to have a good strategy. In this episode, Steph Sharp joins us to talk about how exits start with knowing how your business works. An attractive business can operate and thrive without its owner. Steph also shares exit strategies and common pitfalls you might encounter while you try to sell your business. If you want to learn how to exit your business, then this episode is for you! Here are three reasons why you should listen to the full episode: Understand the ways you can make your business transferable and scalable. Learn how to make your business attractive through the right pricing, business model, terms, and documentation. Discover the different ways you can exit and sell your business. Resources Rich Dad's Cashflow Quadrant by Robert T. Kiyosaki The 7 Habits of Highly Effective People by Stephen R. Covey Built To Last by Jim Collins Follow Steph's work on Millionaire Exits and Facebook. You can also reach Steph through her email Steph@MillionaireExits.com. Episode Highlights Knowing Your Business Inside and Out Steph shares her story of starting with small businesses, investment banking and capital markets, and eventually negotiations. There are five types of businesses: charity, hobby, job, basic business, and transferable business. Understanding your type of business makes it easier to know what exit strategies to employ. For example, most basic businesses are profitable. However, people cannot come in and do your work. Scalability and transferability are important aspects of exiting a business. Hear Steph's in-depth discussion in the full episode! There Is Always A Way Out We don't need to be trapped in a business for life. There is always an opportunity to create a way out. Step back and ask yourself: why do people buy a business? Most people don't buy a business because it can make money. People buy a business because they believe it can make money. Knowing this, you need to show how your business drives profits. Make sure that your effective systems can be repeated and transferred to another. What Are You Transferring? Legal documents and paperwork are not the end-all and be-all to sell a business. Transferring a business is about making sure it does not fall apart after getting sold. The research shows that business owners finance as much as 80% of their businesses. Financing, Earnout, and Capital Markets Earnouts occur when owners get paid for their exit over time. This deal can create the problem of a buyer backing out a year into the contract. When you sell your business to people who don't know how to run it, you may eventually have to come back to take over again. Seller financing is also a popular option for selling businesses. Capital markets are often in the hunt for good business deals. Listen to the full episode to get a clearer understanding of how to market your business. Common Pitfalls of Business Exits Steph shares that one of the biggest mistakes when you sell your business is not having an adequate financial record. Proper business documentation is also necessary. This document should be the operating manual which details costs, clients, and the like. When owners think of selling their business, they're often at a point where the business is deteriorating. You need to make sure your business is attractive to potential buyers. Typically, a business is worth about a third to half of what the owner thinks. Profit Is Not Cash Flow Remember that profit is affected by depreciation and other non-cash variables. On the other hand, cash flow is how the buyer will pay off the loan for buying the business. You need to be able to answer how many years they will be paying for the loan before they start earning money. Disconnect Between Owner and Business A lot of owners think they have employees, coaches, or contractors who will buy their business. This is not the case. People will often choose to start their business rather than buying one. This is also applicable to employees: how do you make sure your employees stay and don't start their own thing? Rather than just sell your business, you also need to think about how you want your lifestyle to change after the exit. Exit Strategies Business owners often don't have exit plans for their business. Exit strategies are crucial for emergencies. If you are the focal point, what happens when something happens to you? Ultimately, you need to craft a business that can continue to work and thrive without you. One exit strategy is going public. This causes a significant boost to your business value. Tune in to the full episode to hear more about exit strategies! Expected Timeline of An Exit Steph shares that you can expect 3-4 months to pinpoint what you're selling exactly. Spend some time structuring your selling process. Get attention and attract buyers quickly. Steph's 100% sell rate is due to the attention to correct pricing, terms and expectations, and good business documentation. What the Data Shows Financial statements often break down costs for labour, fuel, operation, and others. You need to make sure your statements can show how the business operates clearly. Too much information and detail can clutter your documentation and financial statements. When selling, you need to be able to pinpoint patterns and trends. It's Not the End, It's A Transformation People often put off selling due to the fear of letting go of something integral to their identity. Look at exits as an opportunity for new growth, business, and life instead! 5 Powerful Quotes “We have no condemned people. There's always a way out — we just have to create it. . . It used to be that we could get trapped. But with the internet, with technology today, there are so many ways out now.” “If you're not ready for that exit, if you don't have a business that's- if you don't know how you're going to transfer that out. . . You'll wake up in three and a half years and you'll look around and you go, ‘Oh my gosh, look at all these businesses for sale. How am I gonna sell mine?'” “Sometimes it's simply a matter of sitting down with them and clarifying what their business model really is. What drives the profitability, how do they actually do the pricing? Just because it's in someone's head, doesn't mean it's going to take you months to get it out of their head.” “People, when they start thinking about selling, it's often they've thought about it, and they leave it too long.” “People get told they should go down a certain pathway — like franchising, like an IPO, whatever. And it doesn't suit them personally; it's not aligned with who they are and how they want to spend their business life.” About Steph Steph Sharp has been involved in $20 billion deals and worked with over 400 clients in every industry. Her experience spans professional and health services, utilities, ferry operations, technology, retail food processing, and finance. Steph's finance career specialized, particularly in exit transactions. She has worked with Goldman Sachs Bank of America, CNBC, corporations, individuals, private equity funds, and venture capitalists. Over the last 20 years, she has trained hundreds of entrepreneurs, business owners, and professionals worldwide to successfully exit their businesses. Interested in Steph's work? You can follow her on Millionaire Exits and Facebook. You can reach Steph through her email Steph@MillionaireExits.com. Enjoy the Podcast? If this podcast inspired you to know more about how you can become a successful entrepreneur, then hit subscribe and share it with your friends. Rate us! We would love to hear from you. Leave us a review and help us reach more people aspiring to become successful entrepreneurs. For updates and more episodes, visit our website. Subscribe and tune in on Apple Podcast. You can find us on Facebook and Instagram. P.S. Do you already have a successful business that is up and running, able to pay its bills with profit left over? Are you interested in growing your business, automating or streamlining things, and staying one step ahead of your competition?
In this episode, Sukh welcomes back guest Gemma Dale. They discuss the problem of calling this working from home, when the reality is we wouldn't choose to work from home under these circumstances - no social connections, no meetings in-person, having to homeschool if you're a parent or care for those in need. They talk about the challenges of exiting lockdown without a clear plan of what a new working model will look like, and how there's opportunity to really seek out and explore what the workforce needs and wants, and balancing that with the needs of the organisation. They also talk about the impact of lockdown on mental health and how we won't really know the impact for months (or maybe longer) due to lockdown causing people to experience trauma. You can connect with Gemma on Twitter @hr_gem. You can connect with Sukh on Twitter @sukhpabial References in the episode. Flexible working post Covid-19: Myth busting https://hrgemblog.com/2021/02/02/flexible-working-post-covid-19-myth-busting/ It's not about working from home https://hrgemblog.com/2021/03/07/its-not-about-working-from-home/ World Economic Forum article - 6 charts that show what employers and employees really think about remote working https://www.weforum.org/agenda/2020/06/coronavirus-covid19-remote-working-office-employees-employers BBC article - Goldman Sachs: Bank boss rejects work from home as the 'new normal' https://www.bbc.co.uk/news/business-56192048 Spotify HR Blog - Introducing working from anywhere https://hrblog.spotify.com/2021/02/12/introducing-working-from-anywhere/
Bom dia USA
O seu podcast sobre o mercado americano.
On this episode we are so pleased to welcome: Hillary Ackerman, former CRO, Goldman Sachs Bank, now retired, and the boards of Dynegy Inc, Hartford Funds, Credit Suisse USA, and Vistra Energy Craig Broderick, former CRO, Goldman Sachs Mark Hughes former CRO at RBC Chris Van Buren, CRO-Financial Risk, TIAA-CREF Anna Aster, Principal, Heidrick and Struggles Moderated by GARP’s own Michael Sell. We wanted to thank Stacy Montagner and Anna Aster from the Heidrick team for giving us the idea for today’s discussion around the Next Generation of Risk leadership and for providing us with such a dynamic panel of speakers.
主播 蒋璐阳、申舶良 访谈嘉宾 Adam Lindemann:资深艺术收藏家、投资人、作家 BoomEar艺术播客的第九期节目,我们邀请资深艺术收藏家、投资人、作家Adam Lindemann担任嘉宾,与我们分享他近年潜心研究的前沿话题——区块链技术将如何影响艺术收藏与交易? Adam Lindemann亦因屡创拍卖纪录著称。2016年,他委托纽约佳士得拍卖的巴斯奎亚(Jean-Michel Basquiat)作品《无题》(Untitled, 1982)以5,730万美元的“天价”被日本电商巨头前泽友作购得。在本期节目中,Adam亦与我们谈论了艺术是否等同于投资、他与巴斯奎亚作品的幕后故事、他了解的巴斯奎亚市场真相,以及他给予新兴藏家的建议。本期节目时长37分钟。 ``` ``` 在本期节目中,你将听到以下内容 00:25 Adam Lindemann简介 04:28 区块链在艺术领域的应用与局限 09:00 区块链技术的概念与潜能 11:26 艺术品份额化的前景是否乐观? 14:33 艺术品金融化与新藏家行为模式 17:18 艺术是否等同于投资? 20:03 作为社交活动的艺术收藏 21:45 Adam谈巴斯奎亚与投资收益 26:19 近年拍卖场上的“天价艺术品” 29:08 Adam谈巴斯奎亚的市场真相 34:05 Adam给新兴藏家的忠告 36:50 结束语 ``` ``` 本期节目中提到的金融机构与交易平台 SEC(美国证券交易委员会) https://en.wikipedia.org/wiki/U.S.SecuritiesandExchangeCommission FCC(美国联邦通信委员会) https://en.wikipedia.org/wiki/FederalCommunicationsCommission Goldman Sachs(高盛集团) https://en.wikipedia.org/wiki/Goldman_Sachs Bank of America(美国银行) https://en.wikipedia.org/wiki/BankofAmerica Art Blocks https://www.artblocks.io 文交所(文化产权交易所) http://www.eeo.com.cn/2012/0802/231124.shtml Art Exchange https://www.blouinartinfo.com/news/story/123301/stock-in-trade ``` ``` 本期节目中提到的艺术作品 https://files.fireside.fm/file/fireside-uploads/images/6/65f629fe-233a-4538-9207-055bb64b0ba9/nc1BDXWA.jpg Jeff Koons《Hanging Heart (Magenta/Gold)》(1994-2006) 2007年在纽约苏富比以2,360万美元的成交价,创下当时在世艺术家作品的拍卖纪录。 https://files.fireside.fm/file/fireside-uploads/images/6/65f629fe-233a-4538-9207-055bb64b0ba9/Md12aGI_.jpg Jean-Michel Basquiat《Untitled》(1982) 2016年在纽约佳士得以5,730万美元的成交价被前泽友作购得,创下当时Basquiat作品的拍卖纪录。 https://files.fireside.fm/file/fireside-uploads/images/6/65f629fe-233a-4538-9207-055bb64b0ba9/JImykMoR.jpg Jean-Michel Basquiat《Untitled》(1982) 2017年在纽约苏富比以1.1亿美元的成交价被前泽友作购得,再度刷新Basquiat作品的拍卖纪录。 https://files.fireside.fm/file/fireside-uploads/images/6/65f629fe-233a-4538-9207-055bb64b0ba9/eyX2aZ-k.jpg Jean-Michel Basquiat《Dustheads》(1982) 2013年在纽约佳士得以4,880万美元的成交价被刘特佐购得,创下当时Basquiat作品的拍卖纪录。 https://files.fireside.fm/file/fireside-uploads/images/6/65f629fe-233a-4538-9207-055bb64b0ba9/ScgJapY9.jpg Jean-Michel Basquiat《Boy and dog in a Johnnypump》(1982) https://files.fireside.fm/file/fireside-uploads/images/6/65f629fe-233a-4538-9207-055bb64b0ba9/z92B73Ub.jpg KAWS《The KAWS Album》(2005) 2019年4月在香港苏富比以1.15966亿港元(约合1480万美元)成交,创下KAWS作品的拍卖纪录。 https://files.fireside.fm/file/fireside-uploads/images/6/65f629fe-233a-4538-9207-055bb64b0ba9/AKdllOuR.jpg KAWS《The Walk Home》(2012) 2019年5月在纽约富艺斯以595万美元成交,成交价为其高位估价的6倍。 (以上图片来源:Sotheby's, Chrstie's, Phillips, WikiArt) ``` ``` 本期节目中提到的人物 Jean-Michel Basquiat https://en.wikipedia.org/wiki/Jean-Michel_Basquiat 前泽友作(Yusaku Maezawa) https://en.wikipedia.org/wiki/Yusaku_Maezawa Jeff Koons https://en.wikipedia.org/wiki/Jeff_Koons Andy Warhol https://en.wikipedia.org/wiki/Andy_Warhol George Condo https://en.wikipedia.org/wiki/George_Condo Benedikt Taschen https://en.wikipedia.org/wiki/Benedikt_Taschen Larry Gagosian https://en.wikipedia.org/wiki/Larry_Gagosian Tom Hill https://www.artsy.net/article/artsy-editorial-billionaire-tom-hill-shares-stories-five-beloved-works-new-museum Christopher Wool https://en.wikipedia.org/wiki/Christopher_Wool Avery Singer http://www.averyksinger.com Victor Hugo https://en.wikipedia.org/wiki/VictorHugo(artistandwindow_dresser) Steve Rubell https://en.wikipedia.org/wiki/Steve_Rubell Enrico Navarra https://www.enriconavarra.com/ Bruno Bischofberger https://en.wikipedia.org/wiki/Bruno_Bischofberger KAWS https://en.wikipedia.org/wiki/Kaws Justin Bieber https://en.wikipedia.org/wiki/Justin_Bieber 刘特佐(Jho Low) https://en.wikipedia.org/wiki/Jho_Low Tiqui Atencio http://www.artnews.com/top200/tiqui-atencio-demirdjian/ Leonardo Dicaprio https://en.wikipedia.org/wiki/Leonardo_DiCaprio Marcel Duchamp https://en.wikipedia.org/wiki/Marcel_Duchamp Pablo Picasso https://en.wikipedia.org/wiki/Pablo_Picasso Jimi Hendrix https://en.wikipedia.org/wiki/Jimi_Hendrix B. B. King https://en.wikipedia.org/wiki/B.B._King Jim Morrison https://en.wikipedia.org/wiki/Jim_Morrison Janis Joplin https://en.wikipedia.org/wiki/Janis_Joplin James Dean https://en.wikipedia.org/wiki/James_Dean Marilyn Monroe https://en.wikipedia.org/wiki/Marilyn_Monroe Mike Egan (Ramiken Crucible) http://www.ramikencrucible.com Emmanuel Perrotin https://en.wikipedia.org/wiki/Emmanuel_Perrotin ``` ``` BoomEar特邀音乐创作:陈少琪 BoomEar 网站:www.boomear.fm FT中文网BoomEar频道: http://www.ftchinese.com/channel/boomear 微信公众号:BoomEar 亦可在iTunes Store、喜马拉雅fm上搜索“BoomEar”订阅 Special Guest: Adam Lindemann.
With Don away in New Zealand for a rare holiday Tom is joined by securities attorney, Lawrence Cock to talk about the legal side of finances and how you can protect your wealth. In this episode: - Why short-term returns are the wrong way to view your money. - Following an academic approach to the market. - Introducing this week’s guest star! - Some of the financial scams that are currently making the round. - Looking back at the greatest Ponzi scheme of all time. - Real estate investing in Seattle and its returns. - Investments that do not live up to expectations as a form of scamming. - Recourse against fraudsters and submitting complaints to firms. - The rights of minority shareholders and how to settle disputes. - What to consider when hiring a fiduciary. - Real estate financing and primary residential regulations. Real Money Hotline — 855-935-TALK (8255) Talking Real Money — [http://www.talkingrealmoney.com/](http://www.talkingrealmoney.com/) Talking Real Money Quick — [http://www.talkingrealmoney.com/talking-real-money/](http://www.talkingrealmoney.com/talking-real-money/) Money Thirty Podcast — [https://www.moneythirty.com/](https://www.moneythirty.com/) Real Investing Journal — [https://www.realinvestingjournal.com/](https://www.realinvestingjournal.com/) Vestory — [https://vestory.com/](https://vestory.com/) 401411 — [http://www.401411.com/](http://www.401411.com/) Vanguard — [https://investor.vanguard.com](https://investor.vanguard.com) VFSTX — [http://www.morningstar.com/funds/xnas/vfstx/quote.html](http://www.morningstar.com/funds/xnas/vfstx/quote.html) Retiremeet North — [http://www.retiremeet.com/](http://www.retiremeet.com/) The Wall Street Journal — [https://www.wsj.com](https://www.wsj.com) MarketWatch — [https://www.marketwatch.com/](https://www.marketwatch.com/) Goldman Sachs Bank — [http://www.goldmansachs.com/what-we-do/investing-and-lending/banking/](http://www.goldmansachs.com/what-we-do/investing-and-lending/banking/) Bankrate — [https://www.bankrate.com/](https://www.bankrate.com/) _Financial Fysics_ — [https://www.amazon.com/Financial-Fysics-Money-Investing-Really/dp/1453898557](https://www.amazon.com/Financial-Fysics-Money-Investing-Really/dp/1453898557) Paul Merriman — [https://paulmerriman.com/](https://paulmerriman.com/) Real Investing Journal “Own the Whole Planet” — [https://www.realinvestingjournal.com/reports/2018/3/1/own-the-whole-planet](https://www.realinvestingjournal.com/reports/2018/3/1/own-the-whole-planet) Auckland Blues — [http://theblues.co.nz/](http://theblues.co.nz/) Auckland Aces — [http://aucklandcricket.co.nz/about-auckland-cricket/aces/](http://aucklandcricket.co.nz/about-auckland-cricket/aces/) Seattle Times Retirement Article — [https://www.seattletimes.com/business/how-not-to-run-out-of-money-in-retirement/](https://www.seattletimes.com/business/how-not-to-run-out-of-money-in-retirement/) New Zealand National Cricket Team — [http://www.nzc.nz/](http://www.nzc.nz/)
- The best place to keep your savings with quick and easy access. - Why interest rate changes might mean for your savings. - High rates at Goldman Sachs bank. - A couple of good resources for an introduction to investing. - More info about Don’s upcoming holiday in New Zealand. - Unloading stocks, penalties and the IRS protocols for profit. - A discussion on the rules and culture of cricket. Seriously. - When is a good time to retire? - Soccer riots and why Tom couldn’t go to a Mexican soccer game. - The problem with dual registration of investment advisors and stock dealers. - Questions to ask about your so-called fiduciary advisor. Real Money Hotline — 855-935-TALK (8255) Talking Real Money — [http://www.talkingrealmoney.com/](http://www.talkingrealmoney.com/) Talking Real Money Quick — [http://www.talkingrealmoney.com/talking-real-money/](http://www.talkingrealmoney.com/talking-real-money/) Money Thirty Podcast — [https://www.moneythirty.com/](https://www.moneythirty.com/) Real Investing Journal — [https://www.realinvestingjournal.com/](https://www.realinvestingjournal.com/) Vestory — [https://vestory.com/](https://vestory.com/) 401411 — [http://www.401411.com/](http://www.401411.com/) Vanguard — [https://investor.vanguard.com](https://investor.vanguard.com) VFSTX — [http://www.morningstar.com/funds/xnas/vfstx/quote.html](http://www.morningstar.com/funds/xnas/vfstx/quote.html) Retiremeet North — [http://www.retiremeet.com/](http://www.retiremeet.com/) The Wall Street Journal — [https://www.wsj.com](https://www.wsj.com) MarketWatch — [https://www.marketwatch.com/](https://www.marketwatch.com/) Goldman Sachs Bank — [http://www.goldmansachs.com/what-we-do/investing-and-lending/banking/](http://www.goldmansachs.com/what-we-do/investing-and-lending/banking/) Bankrate — [https://www.bankrate.com/](https://www.bankrate.com/) _Financial Fysics_ — [https://www.amazon.com/Financial-Fysics-Money-Investing-Really/dp/1453898557](https://www.amazon.com/Financial-Fysics-Money-Investing-Really/dp/1453898557) Paul Merriman — [https://paulmerriman.com/](https://paulmerriman.com/) Real Investing Journal “Own the Whole Planet” — [https://www.realinvestingjournal.com/reports/2018/3/1/own-the-whole-planet](https://www.realinvestingjournal.com/reports/2018/3/1/own-the-whole-planet) Auckland Blues — [http://theblues.co.nz/](http://theblues.co.nz/) Auckland Aces — [http://aucklandcricket.co.nz/about-auckland-cricket/aces/](http://aucklandcricket.co.nz/about-auckland-cricket/aces/) Seattle Times Retirement Article — [https://www.seattletimes.com/business/how-not-to-run-out-of-money-in-retirement/](https://www.seattletimes.com/business/how-not-to-run-out-of-money-in-retirement/) New Zealand National Cricket Team — [http://www.nzc.nz/](http://www.nzc.nz/)