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How about my Kansas State Wildcats? For those of you who are living on Mars or have been serving with Advisors Without Borders in Uganda, the K-State football team finished 11-1, ranked No. 7, won the Big 12 title and was set to play Oregon in the Fiesta Bowl. And the icing on that cake is that our quarterback—Collin Klein—is currently a finalist for the Heisman Trophy. Of course, things may end badly (let's hope not), but it's still not bad for some kids from the sticks.
I tell you this not because my car is K-State purple (well, OK, it's partly that), but also because the success of our football program under head coach Bill Snyder holds some valuable lessons for small business owners and how they run their firms. Perennially at the recruiting disadvantage of a relatively small state school (total enrollment: 24,000 students) in the not-so-glamorous outback of Manhattan, Kan. (the "Little" Apple, as we call it), and with no national championships to our credit, Coach Snyder, who was the unanimouis choice for AP's Big 12 coach of the year, has excelled by building a program that creates blue-chip players out of prospects who go unsigned by the larger universities. It's a model that I've found works for advisory firms as well.
Since 1993, Kansas State has won 148 games, which is an average of nearly nine games per season, or just under 75%—one of the best records in all of college football. During that time, Coach Snyder has produced 108 All-Big 12 players, 51 All-Americans and had 70 former Wildcats play in the NFL. Oh, and he turned one-time wide receiver and the 106th ranked quarterback recruit in the country, Collin Klein, into one of the country's three Heisman finalists.
As impressive as those stats are, the way Coach Snyder, 73, achieves that success is even more striking. The foundation of the K-State program is how Snyder and his staff prepare their players to learn about and play football. This preparation begins with Snyder's "16 Goals," which outline the way in which he expects his players to approach the game and their lives. "The 16 Goals form the foundation for success and create the work ethic and discipline that goes with them," he's been quoted as saying. "With players and coaches from all backgrounds, having a single set of core values unifies them under one vision. If each adheres to the goals as individuals, then team success will follow."
As you might expect, those goals include a smattering of team-oriented ideas such as unselfishness and unity, but most are personal qualities that will make one successful on and off the playing field: Self-discipline, enthusiasm, personal responsibility, consistency and leading by example.
In my work, I have found that most advisory firms have a lot to learn from Bill Snyder about recruiting employees and preparing them to succeed. Unfortunately, the idea of hiring star talent still exists in many firms. I see this every day in my consulting firm and also when I give my human capital P4 speeches. Owner/advisors are fighting for the top talent and overpaying to get it.
I suspect that this is at least in part because many advisors still haven't grasped that they are small businesses, often located in small towns or suburbs, competing for top talent with large institutions such as brokerage firms, insurance companies, accounting firms and banks. The reality is that they are Kansas States recruiting against Alabamas, Southern Cals, Stanfords and Michigans. To get these young star advisors, firms have to offer competitive compensation packages, which more often than not is more than they can afford to pay. Then they have unrealistic expectations about the impact these blue-chip employees will have on their firms. When the recruits fail to live up to their expectations, most advisors turn up the heat, which results in even lower performance by an increasingly unhappy employee who usually leaves for a higher paying job, saddling their former firm with another round of high recruiting expenses and lost productivity.
For most advisory firms, the solution to this turnover roulette is to switch their focus from recruiting blue-chip candidates to creating great employees in-house. Like Snyder's program at K-State, the key to creating greatness in an advisory firm is preparation: that is, creating the foundation for employees to succeed. In an advisory firm, successful new employee preparation consists of five essential training areas, each of which has to be effectively covered for a firm's employees to consistently succeed:
What the firm does and how it does it. All advisory firms are similar, yet not all firms do the same things. From prospective client interviews to data collection, information systems, client communication, client services, scheduling appointments, etc., every firm has its own way of doing things. This is not something any firm wants an employee figuring out in the middle of the game: Every professional employee should be fully trained on how the firm expects work to be done, so that every client experience is consistently excellent.
Why the firm does what it does. This is an often overlooked step, yet study after study shows employees perform at a much higher level when they feel they are working toward a higher purpose. I know, you're not working toward world peace or curing cancer, but all the independent advisors I know do feel as if they are on a mission of sorts to provide sound financial advice. Unfortunately, most of them aren't very good at communicating that mission to their employees. Helping people send their kids to college, care for their aging parents and get quality health care and a comfortable retirement are all good things. Make sure employees know that they have more than just a job and are working for more than just a business.
How the employee's job fits into what the firm does. Once new employees know what their firm does and why it does it, they need to know how their job fits into the bigger picture. I know this may sound obvious, especially in a small firm, but I've known employees who worked at their jobs for years without realizing what some of the other people at the firm did or how all their efforts fit together. The benefits far outweigh the time and effort of explaining everyone's role in the firm and how each contributes to high-quality service for clients.
What the owner/advisor considers success at the employee's job. For employees to do a great job, they have to know what a great job would be. Again, this isn't something owners should leave up to employees to figure out for themselves. They aren't mind readers. When owners tell their employees exactly what performance they'd like to see, they greatly increase the chances of seeing it.
Create the space for employees to figure out how to be successful at their job. Many owner/advisors still believe they are the boss instead of the coach. They believe their employees should do things their way. Everybody has different strengths and weaknesses, different talents and abilities. The goal should be for each employee to perform at a high level. To do that, they'll have to use their abilities and work around their weaknesses. Bosses who force employees to work one way usually prevent this from happening and get predictably mediocre performance. To get great performance, encourage employees to find their best way to work.
In the dead of summer, a player complains about how hot it is outside. Snyder says nothing, walks into the locker room, comes out in a snowsuit and sweats through the practice with his players. There is nothing he asks his team to do that he wouldn't do with them. That is a coach and a humble leader, not a boss. All business owners would do well to follow his example and prepare their employees to succeed at their jobs, rather than trying to find the elusive stars.
Let's hope that by the time you read this, K-State has won the Feista Bowl and is celebrating Klein's winning the Heisman trophy. Regardless, I am cheering for not only K-State's successes, but for every business owner and employee in the country who has ever had a dream of being on top.


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The Lee Family. Once upon a time Noel and Rena got married and had 2 kids - Doris and Donald. Then one day, Doris got married to Jeremy and had her own 2 kids - Vince and Edda. We all live far apart, and keep moving around. It's hard to keep tabs on each other. Welcome to our blog.
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Today is Wednesday, Jan. 2
Today is Wednesday, Jan. 2, the second day of 2013. There are 363 days left in the year.
Today's Highlight in History:
On Jan. 2, 1788, Georgia became the fourth state to ratify the U.S. Constitution.
On this date:
In 1893, the U.S. Postal Service issued its first commemorative stamp to honor the World's Columbian Expedition and the quadricentennial of Christopher Columbus' voyage.
In 1900, Secretary of State John Hay announced the "Open Door Policy" to facilitate trade with China.
In 1921, the play that coined the term "robot," ''R.U.R." (Rossum's Universal Robots) by Karel Capek, was first performed in Czechoslovakia.
In 1935, Bruno Hauptmann went on trial in Flemington, N.J., on charges of kidnapping and murdering the 20-month-old son of Charles and Anne Lindbergh. (Hauptmann was found guilty, and executed.)
In 1942, the Philippine capital of Manila was captured by Japanese forces during World War II.
In 1959, the Soviet Union launched its space probe Luna 1, the first manmade object to fly past the moon, its apparent intended target.
In 1960, Sen. John F. Kennedy of Massachusetts launched his successful bid for the presidency.
In 1971, 66 people were killed in a pileup of spectators leaving a soccer match at Ibrox (EYE'-brox) Stadium in Glasgow, Scotland.
In 1974, President Richard M. Nixon signed legislation requiring states to limit highway speeds to 55 miles an hour. (Federal speed limits were abolished in 1995).
In 1981, police in Sheffield, England, arrested Peter Sutcliffe, who confessed to being the "Yorkshire Ripper," the serial killer of 13 women.
In 1983, the musical play "Annie" closed on Broadway after a run of 2,377 performances.
In 2006, 12 miners died in a methane gas explosion at the Sago Mine in West Virginia, W.Va., but one miner, Randal McCloy Jr., was eventually rescued.
Ten years ago: President George W. Bush, seeking to counter Democratic criticisms that his economic policies favored the rich, said the economic stimulus plan he was going to unveil the following week would focus on jobs and the unemployed. Sydney Omarr, the astrologer to the stars whose horoscopes appeared in more than 200 newspapers, died in Santa Monica, Calif., at age 76.
Five years ago: The Justice Department opened a full criminal investigation into the destruction of CIA interrogation videotapes. (A special prosecutor later cleared the CIA's former top clandestine officer and others.) Pakistan pushed back parliamentary elections until Feb. 18, a six-week delay prompted by rioting that followed the assassination of opposition leader Benazir Bhutto. Oil prices soared to $100 a barrel for the first time. Late-night talk shows returned to the air two months into a writers strike. (David Letterman and Craig Ferguson had reached agreements to allow writers to work on their shows; Jay Leno, Conan O'Brien and ABC's Jimmy Kimmel returned without theirs.)
One year ago: A gas pipeline in central Syria exploded; the government blamed "terrorists" while the opposition accused officials of playing on fears of religious extremism and terrorism to rally support behind President Bashar Assad. No. 3 Oklahoma State beat No. 4 Stanford 41-38 in overtime in the Fiesta Bowl. No. 6 Oregon beat No. 9 Wisconsin 45-38 in the Rose Bowl.
Today's Birthdays: Country musician Harold Bradley is 87. Former House Speaker Dennis Hastert is 71.
TV host Jack Hanna is 66. Actress Wendy Phillips is 61. Actress Gabrielle Carteris is 52. Movie director Todd Haynes is 52. Retired MLB All-Star pitcher David Cone is 50. Actress Tia Carrere is 46. Actor Cuba Gooding Jr. is 45. Model Christy Turlington is 44. Actor Taye Diggs is 42. Rock musician Scott Underwood (Train) is 42. Rock singer Doug Robb (Hoobastank) is 38. Actor Dax Shepard is 38. Actress Paz Vega is 37. Country musician Chris Hartman is 35. Rock musician Jerry DePizzo Jr. (O.A.R.) is 34. Rhythm-and-blues singer Kelton Kessee (IMX) is 32. Actress Kate Bosworth is 30. Jazz singer-musician Trombone Shorty is 27.
Thought for Today: "A clash of doctrines is not a disaster -- it is an opportunity." -- Alfred North Whitehead, English philosopher and mathematician (1861-1947).


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Objects in the shade of Raw Umber
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Unless the U.S. makes politically difficult changes in immigration, employment and investment policies, Americans should expect a long-term "new normal" rate of growth of just 1%. So says investment management firm Research Affiliates, in a research note that brings a wealth of demographic and historic data to bear on current fiscal projections.
Christopher Brightman, the report's author and head of investment management for the Newport Beach, Calif. Firm founded by indexing guru Rob Arnott, is critical of White House and Congressional Budget Office growth projections that assume 2.5% long-term growth.
Indeed, Brightman views the White House's higher, 4% growth assumption for its proposed recovery years of 2014 to 2017 as rosy scenarios of the sort Ronald Reagan's budget director David Stockman derided in the 1980s after leaving the administration.
Brightman argues the U.S. will find it nearly impossible to recapture the 3.3% average annual growth that prevailed from 1951 to 2000 as a result of negative trends in the key areas that affect GDP: population growth, employment rate growth and productivity.
Citing, and critiquing, Census Bureau data, the Research Affiliates paper forecasts population growth to slow to 0.7% going forward, or half the prevailing rates of the latter half of the 20th century. The Census Bureau, in its low immigration (i.e., worst-case scenario), expects the population growth rate to decline to 0.8%.
But Brightman points out that we have yet to see the full effects of the Great Recession, noting that the Great Depression cut a previous 1.5% rate of population growth of the first decades of the 20th century down to 0.7%.
Preliminary figures from the Centers for Disease Control on births and fertility are in line with the notion that we will again see a population growth plunge: 2011 births were 1% less than in 2010, and the fertility rate has "declined to the lowest rate ever reported for the United States," Brightman quotes the CDC as saying.
Immigration figures are also starkly negative. A Pew report on Mexican immigrants shows that 3 million Mexicans moved to the U.S. from 1995 to 2000 while 700,000 moved from the U.S. back to Mexico. In contrast, just 1.4 million Mexicans entered the U.S. from 2005 to 2010, and the same number returned home in those years.
When it comes to employment levels – currently 58% (in 2010) compared with a rate of 64% in 2000 – demographic headwinds are greater reason for concern than any temporary recession-based effects. Brightman notes that the over-55 proportion of the population was just 18% in the 1970s, but has quickly risen to 25% today and is expected to rise to 31% by 2030.
That means the total employment rate is going down, and Brightman says current trends are sufficient to shave off 0.2% per year in GDP growth "over the next two decades as boomers move into their retirement years." He adds that while long-term population growth rates are speculative, the near-term figures he bases his projections on are "highly reliable" since we can closely estimate next year's batch of 65-year-olds based on this year's number of 64-year-olds.
The demographic effects of an aging population also has a direct effect on productivity – another key contributor to GDP – since Americans' contributions to GDP peak in their 40s and then start to decline in their 50s and 60s.
America's debt problems are also adversely affecting productivity, the Research Affilliates report shows.
"Borrowing to invest can raise our future productivity growth, but only if the return on capital exceeds the cost of debt," Brightman writes. But since America's deepening debt has fueled consumption rather than investment, he argues that "reported GDP over recent decades overstates both our true prosperity and our true growth."
Brightman estimates productivity growth of just 0.5% over the next several decades, consistent with forecasts of Robert Gordon, "perhaps the world's foremost expert on productivity growth."
That 0.5% in productivity growth together with projected employment growth of 0.5%, along with stagnating population growth, leads Brightman to expect 1% GDP growth as the new normal.
Brightman proposes policy fixes for our problems, but laments that while they may economically sensible they are not politically feasible in the current environment.
"Immigration reform, while politically difficult, could help slow the decline in population growth. We can increase the rate of employment by revising our transfer payment policies to provide ample incentives for employers to employ and for the labor force to seek employment. We can boost productivity by changing our tax policy to encourage savings and investment, rather than printing money to support debt-financed consumption," Brightman writes.
Brightman says we can live with slower growth, noting that the 3% annual GDP growth we enjoyed from 1950 to 2000 was historically exceptional. But he warns that rosy scenario forecasts that fuel false expectations of old-normal growth pose economic and political dangers in the years ahead.


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The winter holidays are a special time to reflect on the real meaning of giving each year. Sadly, given the horrific events that occurred recently in Newton, Conn., it's also a poignant moment to focus on the importance of community during the '12-'13 holiday season.
This slideshow is one of several on AdvisorOne that aim to honor those advisors and associates who serve their local, national and global communities. We've also created a special landing page for you to view all three of our slideshows. In addition, we also feature regular news stories on charitable giving and volunteer activities on our Philanthropy webpage.
To these and other advisors, of course, we say, "Many thanks and happy holidays!"
We look forward to putting together future slideshows to recognize advisors active in their communities and will accept future contributions throughout the year (via e-mail at [email protected]).
Carl Bailey
Practice: Bailey & Beatty Financial Services in Danbury, Conn.; affiliated with Commonwealth Financial in Danbury, Conn.
Community Work: Bailey (center, left) supports the Connecticut Quest for Peace, which provides assistance to multi-generational families such as these in Managua, Nicaragua.
Several years ago, Bailey spent almost a month living in a barrio in Managua and, since then, has been bringing medical teams to Nicaragua twice a year to do cleft palate surgeries.
"It's a far more complex medical issue than I ever realized," he explained to the University of Fairfield Magazine. "In the worst cases, these kids were born without a roof in their mouths, so they can't eat or breathe properly. Without the surgeries, these children are forced to live on the fringe of society, so a $400 surgery forever changes their lives."
In addition, Bailey has worked to raise and donate over $500,000 and has sponsored several Fairfield University students on mission trips.
He's also founded Danbury Grassroots Tennis, an organization for city youth.
"It sounds corny, but the Jesuit message of embracing diversity and of seeing the world on a broader level than what is in your own backyard, really resonated with me," he told the Fairfield publication. "It taught me the link between spirituality and success, not the least of which is that it's incumbent upon graduates to do something good with their lives."
Jayson Bales & Richard Davis
Practice: Baird Private Wealth Management, Dallas
Community Work: Baird financial advisors Jayson Bales (left) and Richard Davis help area school children learn how to play mini golf during an outing in May sponsored by Baird's Dallas office in partnership with the Dallas AfterSchool Network.
AfterSchool Network says it aims to improve the quality of 2,200 after-school and summer programs in the greater Dallas area by providing students with access to quality after-school and summer programs that promote their intellectual, emotional and creative development. This work allows the community to benefits from successful students, safe neighborhoods and the development of a qualified workforce for tomorrow.
Matthew Barbis
Practice: Creative Wealth Management in Islandia, N.Y., affiliated with Royal Alliance Associates
Community Work: Founded by Matthew J. Barbis (right) after his 11-year-old cousin, Carlie Brucia, was abducted and murdered in Sarasota, Fla., in 2004, the Rose Brucia Educational Foundation's goal is to reduce the number of child abductions in the U.S. by educating and empowering young minds with the knowledge necessary to avoid abduction.
Using puppets and a formalized educational curriculum, the foundation provides elementary-aged children with the Stranger Safety Awareness Program, free of charge.
Debra Brede
Practice: D.K. Brede Investment Management Co., Needham, Mass; affiliated with Commonwealth Financial Network.
Community Work: Brede (right) supports Agape International's orphanage in Hyderabad, India, where more than 250 children affected by the AIDS crisis are given a home and an education. She has traveled to the center during each of the past four years with her family.
She is a trustee of Agape International, which was founded by a long-time D.K. Brede Investment Management staff member. The advisor also is involved in a number of charities and social causes in the Boston area and is an active alumna of her alma mater, Pennsylvania State University.
Some of her most recent community-service commitments include serving on the advisory council of the Boston Rescue Mission for the homeless and on the board of overseers, as well as the institutional review board, of the Newton-Wellesley Hospital.
Mark Chamberlain & Tim Rice
Practice: Lakeside Wealth Management in Chesterton, Ind., affiliated with First Allied
Community Work: "If you're lucky enough to be in a position to give back, then I think it is one's moral responsibility to help their communities," said Mark Chamberlain (above).
"Socializing and doing good also connects us with like-minded individuals in our community," Chamberlain said. While he and his staff never go to such events with any business intentions, they inevitably make new connections. "People notice who we are in the community, and those are exactly the type of clients we want to work with," he added. "There's an implied mistrust of financial advisors unfortunately, and the nature of our collective charitable work tends to take the edge off that misconception and combats the fear that we're just another firm trying to make commissions."
His colleague at Lakeside, Tim Rice (above), sits on the board of the local Boys and Girls Club. Rice helped organize a fundraiser to support its needs and made a donation of $50,000 on behalf of their firm to resurface the gym floor. But the impact of this original good deed went far beyond the original intent to support the positive development of their community's children.
As an unexpected gesture of gratitude, the Lakeside logo was painted prominently in the center. This immediately imbued a sense of pride among the Lakeside staff and stimulated additional charitable acts. In fact, philanthropy is such an integral part of business at Lakeside that employees receive a paid day off to volunteer for the charity of their choice, and they have a matching gift program.
As a natural extension of their own do-good pursuits, Lakeside encourages and assists its clients with planned giving strategies. They personalize this experience to each client or family, interviewing them to discover what is meaningful to them.
Michelle "Shelly" Marie Church
Practice: Church & Sawin, Raymond James & Associates in Naples, Fla.
Community Work: Church is a former member of the board of directors and president for the TECH Foundation, which honored her as Humanitarian of the Year in 1994 for raising over $450,000 to help build a new Step-by-Step school, an early intervention program for children with disabilities.
In 2005, Shelly was named to the board of Camp Boggy Creek, a facility in central Florida started by Paul Newman and Norman Schwarzkopf to serve chronically ill and terminally ill children. She currently serves as treasurer of the board and heads the investment and finance committee.
She was president of the board of the American Heart Association in Collier County from 2001 to 2004 and chaired the 1999 and 2000 Heart Walks. Shelly received the Volunteer of the Year award from the AHA in 2001 from the local Chapter. In 2006, she was awarded the prestigious Special Services Award at the Florida Affiliate level of AHA. Shelly has been "top walker" in the state of Florida for more than 10 years as measured by the dollars she has raised and in 2010 she was named the Top Walker in the U.S.
"My passion for working with the American Heart Association started shortly after my son, Kyle, was born on June 18, 1986. The hospitalizations started immediately, when he was airlifted on Day One to Miami Children's Hospital," Shelly explained.
"He had his first surgery at six weeks at Shands Hospital in Gainesville… and our journey began. Kyle had a total of four heart surgeries by the time he was six. We began involvement with the heart association when he was eight, when we formed 'Kyle's Team.'
We walked the first year and raised a little over $8,000… each year it has grown and the number of walkers has grown. When Kyle lost his battle to heart disease in February 2005 at the age of 18, I continued 'Kyle's Team' to continue his legacy.' "
"Shelly has been a top fundraiser every year for our Heart Walk and sets national benchmarks for our market size. She has personally raised over $500,000 over the years in addition to the funds she raised for our events she chaired," explained Regan Goldberg from the Southwest Florida (SWFL) chapter of the American Heart Association. "Shelly helped us launch our national Go Red for Women Campaign. She is an excellent public speaker helping us share our mission in various communities and corporations at a moment's notice."
Broker-Dealer: Commonwealth Financial of Waltham, Mass.
Community Work: More than 200 Commonwealth financial advisors, staff and sponsors helped renovate eight homes with Habitat for Humanity during the group's 2012 National Conference, which was held in early November in San Antonio.
Practice: Connecticut Wealth Management of Farmington, Conn., affiliated with LPL Financial.
Community Work: The Connecticut Wealth management team held a canned food drive during their Client Appreciation Party on Nov. 15, 2012.
Group members were able to collect over 200 non-perishable items for the Farmington Food Pantry.
They include:
Chad Coe
Practice: Coe Financial Group, LLC, affiliated with First Allied in Deerfield, Ill.
Community Work: Coe's early struggles with learning disabilities taught him valuable life lessons about dedication and helping others. When he was in a position to give back, one of his goals was to expand the resources and mentorship available to clients and colleagues.
To accomplish this, he founded ReferGroup in 1997 (now known as MasterMind Connections, which is an invitation-only business networking organization in the Chicago area. The organization assists business owners and executives in transition by building business relationships, exchanging leads and forming strategic alliances.
Coe dedicates significant time to mentoring professionals one-on-one to assist them with their transition strategy. The group has had outstanding success, placing four to six individuals a month in new professional positions as a result of leads generated within the group.
In addition to aligning his professional career with benevolent causes, Chad devotes a significant amount of his time outside of work to far-reaching efforts as a volunteer and founder of charitable organizations.
Coe founded the Special Kids Network in 1999 with his wife Debbie to raise awareness and funds for organizations that believe that every child and young adult, regardless of the nature of their background or disability, should be able to enjoy life to its fullest and to participate in the mainstream of their community. To date, they have contributed more than $1.5 million to children's charities.
The advisor also sits on the board of trustees of Keshet, a program that provides educational, recreational and vocational programs for children with disabilities.
Please check out the other parts of Advisors Giving Back:


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MONTPELIER, Vt. (AP) — U.S. Sen. Bernie Sanders said Monday he'll oppose any effort to raise the age when people become eligible for Medicare health insurance coverage.
Republicans in Congress have proposed raising the age when retirees are eligible for Medicare from 65 to 67. They also want to reduce cost-of-living adjustments for Social Security recipients.
Sanders held a news conference to outline his opposition to those changes, which are being discussed as part of negotiations in Washington to head off a series of tax increases and spending cuts scheduled to take effect next month.
The left-leaning independent took aim at a series of changes to cost-of-living increases that he said would hurt both seniors and disabled veterans, known as "chain CPI."
If the changes are enacted, "What that would mean for seniors who are 65 today is that by the time they are 75 … they would get $560 a year less than they would get otherwise," he said. "By the time they were 85, they would get $1,000 less."
Sanders acknowledged that raising taxes on the top 2 percent of earners to Clinton-era levels, as President Barack Obama is seeking to do, would erase just about a quarter of the projected deficits in the coming years.
On another topic, Sanders renewed his complaint that gasoline dealers in northwestern Vermont are charging prices at the pump that are higher than both the national average and prices elsewhere in the state, an issue he hopes the Vermont Legislature will address when it begins its new session next month.
Gasoline dealers in Chittenden, Franklin and Grand Isle counties "are keeping gas prices artificially high simply because they can," Sanders said. "No one is disputing that gasoline distributors have a right to make a profit," he said. "In my view, however, they should not be ripping people off in these tough economic times."
Sanders said gas could be bought this past weekend for as little as $3.39 a gallon in Ludlow, in south-central Vermont, while prices in northwestern Vermont were running between $3.65 and $3.70.
Officials with two of the companies Sanders named, SB Collins and Champlain Oil, did not immediately reply to messages seeking comment.
Rodolphe "Skip" Vallee, chairman of R.L. Vallee Inc., a third company named by Sanders, said in an email, "We are competitive in every market we are in. " He also complained that Sanders had interfered in the siting review process for discount retailer Costco's plan to open a cut-rate gas station in Colchester. That project has been under review for five years, Sanders said, calling that " a very long time for a decision."


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Love marriage problem solution astrologer in dsfd
(19 reviews)
Love marriage problem solution astrologer is big source in dsfd. Love marriage is a holy and unbreakable bond on this earth. Along with it, it is a relation which makes in haven but on earth people also complete formalities. Along with it, love marriage a need of every people on this earth because if you want to get your dynasty in your life. But some people face many love marriage problems solution in dsfd in their life. I think this love marriage problems come in your life due to your some mistakes because if you think that in your love marriage problems you're not responsible. So you are wrong because in a common work both member responsible. Which problems come in your love marriage I will describe below?
- When you do not care of your partner in your life
- When your wife/husband feel that you fall in someone love
- When you do not fulfill your partner needs.
- Bad manners can be become a major problem in your life
- After drinking or smoking you abuse your partner
- Without any reason irritate
Love problem solution by astrology prediction in dsfd
These all problems convert your relation in to breakup and divorce. But you do not need of scare in your life because in this article I will discuss about your problems that how can you make your love marriage happiness and enjoy full. Firstly if you want to get remove your love relation problems in your life. then we provide love problem solution by astrology prediction in dsfd .You will have to make your think positive for your relation that you can turn toward a happiness morning your relationship in your life. After then, everything or every plan works on your problems. Along with it, you can utilize of some totke in your life for a good relation in your life. Along with it, inter cast marriage problem also an issue in a love marriage relation. So I describe about this in next paragraph.
Inter cast marriage:- inter cast marriage is relation which is done in between two different cast members. Along with it, in this relation come these problems.
- Parents do not accept your relation
- Society do not accept
- Some relatives get away your relation
- Language barrier
- Lifestyle in different cast
- Diverse religion
Consult astrologer for love problem solutions in dsfd
But you think that you cannot remove your love problems in your life. So I want to say you that you are insane in your life because you have a golden chance in your life to get rid of these problems in your life. And that golden chance is Love Marriage problem solution baba ji in dsfd because they have long time experience in their life. So you can consult astrologer for love problem solutions in dsfd to get solutions of your love problems. They do work on your all aspects of your life after then they give you some remedies and mantras to remove your love problems in your life. Along with it, love problem solution astrologer acharya ji in dsfd provide their client's some facilities during cure of their client's problem. First one is that they give their clients 100% satisfaction guaranty for remove his client's problem in their life forever. Along with it, they do not share your information with other person. So you can secure your information during cure of your problems.


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Welcome to Widville, mannaribbit. I'm so very sorry for your loss, but pleased that you found us. You'll find caring support and friendship here.
Here's the best place to start: Need help using the site? Ask here! You can join the Groups that fit you to connect to others with similar experiences. Share your story. Take a look at our Forum discussions where you'll find meaningful conversations taking place. I look forward to getting to know you here in Widville.


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Last week I spent time fulfilling my continuing education requirements. I had to complete 24 hours for my state insurance license by November 30th. Needless to say it was a priority. In this post, I'd like to share a couple of things I learned in the process which could possibly save you time and money.
In Louisiana, to maintain a life and health insurance license, you must complete 24 hours every two years with at least three hours in ethics. As a CFP you need 30 hours every two years with at least two in ethics. My Insurance requirement was due 11-30-2012 and my CFP is due 11-30-2013. Basically, I needed to meet my insurance requirement immediately and my CFP by next year. I found a great online provider which was reasonably priced and easy to use. The firm's name is WebCE. Even though my immediate need was for insurance, if you sign up to complete CE for your CFP, you can add insurance credit for a only $3 per course.
I took three courses and earned 21 hours for my CFP for a cost of $40. I added $9 ($3 per course) to get credit for insurance and got a total of 28 hours (Louisiana allows more credit per course than the CFP board). For a total of $49, I met all of my insurance requirement and with my prior CFP hours, all I need to do before next November 30th is complete the CFP ethics course.
Here's another thing I learned along the way. Years ago, when I first got my securities and insurance licenses, I also got a variable annuity license with the state. However, as an RIA, I no longer needed my Series 7 and Series 24 license and let them lapse a few years ago. The question now is what to do with my variable annuity license with the state. Should I keep it or let it lapse?
Since my securities licenses lapsed, I assumed I could no longer write any commission-based variable annuity business. The Department of Insurance could not give me a definitive answer on this question.
To be certain, I called two annuity carriers. One was a traditional commissioned VA provider and the other was Jefferson National, the company I have used for some 1035 business. Jeff Nat offers a fee-only VA for RIAs with an extremely low expense structure. Both companies confirmed what I suspected: to write a commissioned VA, you need at least a Series 6 and a state VA license.
Therefore, since I no longer have my securities licenses I don't need my state VA license. This saved me a renewal fee and an additional CE requirement.


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Ready to Build
2608 Executive Point Dr, Monroe NC 28110
at Build On Your Lot Monroe Building Center
Call 888-448-3476 to connect with the builder right now!
Request an Appointment Today!
2608 Executive Point Dr, Monroe, NC 28110
Sales Agent Tim Rogers
Hours Mon-Fri 10:00 AM TO 6:00 PM;Sat 10:00 AM TO 6:00 PM;Sunday CLOSED
In-Person Tour
Meet with a knowledgeable representative on-site for a guided home tour.
Remote Tour
Hop on a video call with a representative to take a virtual walkthrough of this home.
Same-day scheduling unavailable online. To request a same-day tour, please call the builder
Please be aware that current conditions may impact hours of operation.
Valued Partners
$0 Down VA Loan Eligibility for Veterans
Use the VA benefits earned through your military service to buy a new home with $0 Down. See if you're eligible today!Learn more »
This traditional 2-story home will be perfect in any location. You will be welcomed home by the large covered wrap around porch that will lead you inside to the spacious living room. You will find the master on the main floor with a large walk-in closet. On the second floor, there are 4 bedrooms, all complete with walk- in closets. The direct access to the garage is perfect for rainy days and coming home late.
2608 Executive Point Dr
Monroe, NC 28110
The "principle over profit" philosophy has shaped much of the culture and growth of our company since our humble beginnings in Gainesville, Georgia. A simple belief that success would ensue if we made it our business to deliver on a promise to build quality custom homes better, faster and at a lower cost than all of our competitors, has served our customers and our community well since 1972. That same promise remains today and rests firmly on a commitment from every member of our team to practice honest, God-honoring values with each of our customers at every stage of the home building process. We are a large volume, scattered site custom home builder, solely owned by Mr. Barry Conner, with over 38 Building Centers and Model Centers located throughout the Eastern United States. We have proudly served over 8,000 families and continue to build in excess of 800 homes per year on the customer's own lot. We view our business as an integral provider of the American Dream and we take this responsibility seriously. More than 250 professionals and over 3,000 trade partners strive daily to deliver a promise you can depend on by a home builder you can trust. It's no wonder three out of five new customers are referred to us by satisfied customers.
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Professional Ant Exterminator in Akron, PA
Ant exterminator services in Akron, PA can solve your pest problem quickly, so you will therefore want to start looking into them as soon as possible. The longer you put off hiring our Akron ant exterminators, the worse your pest problem is going to get. It is highly recommended that you pay for these services so you can get back to living in an ant-free home. Ants can be a huge nuisance for any household, and it is crucial that you take advantage of our professional Akron ant exterminators right away.
When you pay for Akron ant exterminator services, you will get your problem solved completely. Our ant exterminators in Akron, PA specialize in taking care of these kinds of pests, so you won't have to worry about whether or not you are going to get your money's worth. There are many different reasons to hire one of our professionals, including the fact that it is a very quick and effective way to get rid of all the ants in your house for good. A professional ant exterminator in Akron PA will have all the equipment necessary to rid your home of ants so you can feel comfortable and at ease while you are at home again, which is something you can't put a price on.
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Some times it is not easy to sit on the side of a stream to pump water, and a collapsible bucket is very useful. You can dip the bucket and move it to a safe place to pump, or you can let the water settle in the bucket to reduce the silt content. This really helps with filter life. We had one water source at Philmont that involved climbing down a 3 foot embankment, and this worked well there. On another trip to North Manitou Island in Lake Michigan, it worked very well for getting water from Lake Michigan as well as the inland lake. If you are hiking along a small stream it is not really necessary, but it is great when you are getting water from a lake.
Bill's ChoiceI have a 1 gallon unit made of a PCV based material. It has a handle sewn into the top to make it easy to dip. We usually send in the youngest member of the trip to get the water from the lake.
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Game developers setting up their own distribution channels isn't a new phenomenon, with Valve's Steam service being the most prominent example. But even though the developers at Alientrap Games—the team behind Capsized—enjoyed working with Valve, they still wanted the freedom of selling a DRM-free game and handling their own promotions. What started as a way to sell games from the Alientrap site has since expanded into Indievania, a new distribution site for indie titles where no games get rejected—and all of the profits go to the developers.
The site isn't actually designed to be a money-making machine for the small, two-man studio behind it. In fact, Alientrap doesn't even take a commission from game sales. When someone purchases a game from Indievania, they are purchasing directly from that particular developer's PayPal account. It's like buying the game directly from the developer, but with the benefits and promotion potential of a game portal. The site itself is funded entirely by optional donations at the end of each checkout.
There's also a focus on ease of use, as there's no client to download, no DRM included in the games, and no platform limits. Currently, PC, Mac, and Linux games are all available, and the Alientrap team is working on adding Android titles to the store as well.
"We realized a site like this was needed to be an open alternative," Alientrap's Lee Vermeulen told Ars. "Players want to support independent developers, not game distributors. So we wanted to make a site where the focus was on connecting the developers and players directly and eliminating the middle man."
While Steam can be challenging for indie developers looking to be accepted, Indievania has no screening process. "It's important to give developers the option to sell unfinished games or games that were rejected from other services to help fund further development," explained Vermeulen.
That being said, more popular games will still benefit from additional promotion. Games that sell well or are highly rated will be featured on the service's front page and will be promoted through social networking sites like Facebook and Twitter. The site also plans to use bundles and other special deals to help attract consumers.
Though the service is still in open beta, it has already attracted a number of notable indie games, including Blocks That Matter and Cthulhu Saves the World, both of which are also for sale on Steam. According to Vermeulen, the response from the indie community has been positive.
"Developers have definitely loved the system. It was designed to make managing their game/sales/promotions as easy as possible," he told Ars. "We are trying to make the site basically the exact same as if a player was buying a game from the developer's website. And that's exactly what developers want—they want control over how their games are sold, but at the same time they need help with promoting their game and bundles that they can't do from just selling on their website."
Though he didn't go into details, Vermeulen explained that the team is currently in the process of adding additional features and games in order to get Indievania primed for its official launch in the near future.
"We definitely want to make sure the site is ready for a large audience," he said.


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Model #FEF366AUA Frigidaire electric range
Here are the repair parts and diagrams for your Frigidaire FEF366AUA electric range.
The diagram(s) below can help you find the right part. If you'd like help, we invite you to call our customer service number at the top of the page, or click chat.
On this page, you can also find any manuals, installation guides and error code tables associated with this model.
For advice on diagnosing problems with appliances, lawn & garden equipment and other products, check out the videos, repair guides and articles in our DIY section.
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The oven door switch detects whether the oven door is closed and helps control the oven light. Replace the switch if it doesn't control the oven light properly.
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Make your next get-together a hit with these 3 great-tasting party appetizer recipes.
Learn how to troubleshoot problems with your range that cause an F10 error to be displayed.
These toffee bars combine caramel and chocolate in layers for an ooey-gooey treat.


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Have you ever visited a medical practitioner for treatment in Hayes? The first time you do so can be very involving and somewhat intrusive as lots of people have experienced. The doctor tends to query the patient on several topics which are related to the ailment as well as on others that are seemingly unrelated. This is simply an effort to establish a thorough record of a patient's health state for the sake of future treatment processes.
If all the medical details of a patient are recorded using digital means and filed away similarly, they may be classified as electronic medical records. Such practises are now very common in modern society. It makes the process of getting treatment far more convenient for both the patient and the doctor. On the next visit, the physician no longer needs to go over the basics again and just works with what he or she already has filed away.
Electronic medical records in Virginia are supported by intricately designed software and programmes. These enable the creation and upgrading of the electronic medical records by relevant medical practitioners. As such, medical records accumulate over time and provide crucial data about the patient seeking treatment in any facility. This eventually results in more cost-effective and efficient treatment procedures in the future which benefits all parties involved.
Choosing The Best EMR Systems in Hayes
EMR systems have become a common feature in medical facilities across the globe. Their prevalence is of course hinged on the ease that they bring to medical processes and procedures across various sectors of the medical industry from examination processes to pharmaceutical dispensation agents.
The reduction in the physical means of record-keeping brought about by these innovative systems has greatly simplified routine medical procedures. Instead of investing time and resources in rigorous testing and determination of anatomical characteristics of a patient, medical staff can simply access medical history data from these electronic medical record systems.
The benefits of EMR systems in Hayes VA are not only realised by medical practitioners. The patients also spend fewer resources on going through repetitive procedures such as blood-type tests. Furthermore, in the event of emergencies where the patient is not lucid enough to communicate properly, EMR systems can be used to provide vital details about the patient such as known allergies to medication and existing critical conditions to watch out for.
EMR systems have become quite vital in the medical industry due to the reliability of the information they contain. Even with lucid patients, some medical conditions are better explained from the professional's perspective. Such detailed data can only be obtained from a database that's created by these professionals which can, therefore, furnish medical staff with the specifics of a patient's health state in a more articulated manner than the patient himself.
Electronic Medical Records and Their Advantages in Virginia
All medical records are essential for ongoing medical procedures. The use of electronic records has however caused plenty of significant benefits for both the medical facilities and the patients. Let's quickly examine some of the key advantages of using electronic medical records in medical practises of all natures.
- Provides a foundation for further treatment
Having documented details of a patient's medical history is crucial for making further progress in treatment plans. This is especially essential if the patient is continuing treatment with a different medical establishment or practitioner. Doctors in Hayes can, therefore, access electronic records and familiarise themselves with the specifics of a patient's condition to better understand how best to proceed with treatment.
- Allows for trend mapping
Modern innovations in digital data management have made trend analysis not only possible but also highly useful. These electronic records can be used to map particular features of a patient's medical condition like BP or sugar levels. When presented by electronic means like digital graphs, it becomes easy to spot trends within the stated data.
- Increased treatment time-efficiency
Medical institutions spend a lot of time resources in establishing patient information such as allergies, blood types and the state of their vital organs. Electronic records can therefore effectively limit such procedures to only a single occurrence. From there, these records will be used as a readily available reference source hence significantly reducing treatment times and boosting better industrial productivity and efficiency.
- Reduced treatment costs
Electronic medical records are ideal for reducing the costs of recurring procedures. They instead provide a readily available source of all the necessary static details about a patient like blood type. Health institutions can also cut on manpower costs which would otherwise be necessary to create and maintain physical records.
- Reliability
Due to the nature of the information's creation and storage systems, electronic medical records are much more reliable than their physical counterparts. The electronic systems and software that help to create and maintain such databases could be adequately secured and controlled to maintain this reliability. They also effectively reduce errors and slips in the creation of the databases.
- Convenience
Anything that expedites medical procedures is convenient for the ever-busy medical associations. Electronic records make information retrieval very easy that can be very useful in emergencies. Additionally, it reduces the paperwork involved in any treatment process hence lessening the workload for all staff involved.
All these benefits, therefore, makes the use of electronic records in Hayes VA 23072 a worthwhile investment for everyone involved. The best part of it all being that all these benefits do not require or introduce any compromise in the quality of healthcare.
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A year ago, AdvisorOne published Best 5 Investment Picks for 2012 after analysts reported that corporate earnings were at an all-time high and the smart money was positioning investments for growth in 2012.
Data provided by top investment strategists at MFS Investments and ING Investment called for investors to put their money in:
- Technology Sector
- Mid-Cap Stocks
- Dividend-Paying Stocks
- High-Yield Credit
- Emerging Markets
So how did the investment predictions do?
Like much of the market, they certainly got it right in the first half of 2012, suffered through a lousy June, then saw a mixed performance for the rest of the year. But overall, the MFS and ING experts didn't do too badly. Check out the following results, where we compare the experts' picks against the performance of a number of highly traded exchange traded funds (ETFs).
1. Technology Sector
The suggestion that Apple (AAPL) may be a good stock to hold in what MFS' Jim Swanson calls the "defensive" tech sector was a good one in November 2011, and a year later Apple is up an impressive 53.13%.
However, the stock has taken a beating this quarter since disappointment over the new iPhone5 and tough competition in the tech space has taken the polish off Apple's reputation as a never-fail corporation.
From Oct. 1 to Nov. 30, the stock has dropped 11.24%. Still, many companies would be happy to trade their numbers for Apple's: as of early December, the current share price for Apple is around $550, and there has been market speculation that the stock could take off next year. State Street's SPDR ETF Technology Select Sector (XLK), which includes Apple, outperformed the Dow Jones industrial average over the last year, yielding approximately 13.5% versus the Dow's 8%.
2. Mid-Cap Stocks
Accelerating corporate profits, "booming" U.S. manufacturing and underestimated consumer strength both at home and abroad were the elements that ING Chief Market Strategist Douglas Coté cited as reasons to buy mid-cap stocks in 2012. "Investors need to position themselves for when the rallies come," Coté said a year ago.
He was correct about mid-caps, which did better than the broader stock market. A year-over-year comparison of the SPDR S&P MidCap 400 (MDY) versus the Dow shows both reaching similar peaks and troughs throughout 2012, although MDY generally outperformed. The MidCap ETF as of Nov. 30 was yielding about 13% compared with about 8% for the Dow. S&P MidCap ETF has its largest share of holdings, 21.64%, in financials, with companies like Raymond James Financial.
3. Dividend-Paying Stocks
Swanson, chief investment strategist for MFS Investments, said last year that dividend payers like Duke Energy (DUK), were a "new defensive" sector. S&P 500 companies' cash flows were experiencing a dramatically V-shaped profit recovery and clocking in at an all-time high, which promised dividends from quality stocks.
Swanson got it right. Take a look now at DUK's performance, and the year-on-year charting of the stock's performance shows a bumpy ride that put its 52-week range at anywhere from $59.63 to $71.13 per share. Still, 2012 was the 86th consecutive year that Duke Energy paid a quarterly cash dividend on its common stock.
4. High-Yield Credit
A year ago at this time, 2012 looked to be a good one for high-yield credit, according to Christine Hurtsellers, chief investment officer for fixed income at ING. She pointed to the fundamentals of high-yield corporate bonds, where low default rates were expected to continue, and she noted a preference for single B rated credits.
How did high-yield credit do in 2012? Looks like Hurtsellers spotted the right area of fixed income.
Performance of two widely bought bond ETFs, the iShares iBoxx $ High Yield Corporate Bd (HYG) and the SPDR Barclays Capital High Yield Bond (JNK), tracked each other extremely closely, with HYG's year-to-date return as of Oct. 31 totaling 8.98% and JNK's totaling an even higher 10.61%. Barclays Capital Bond fund has sizable holdings in companies like HCA Corp.
5. Emerging Markets Fixed Income
Emerging-market sovereign debt was poised to outperform in 2012, in Hurtsellers' view, especially in Latin America given the demand for commodities. She also predicted a good year for "selected emerging-market corporates."
That good year has come to pass for emerging-market sovereign debt.
A year later, a comparison of the iShares Barclays 7-10 Year Treasury (IEF) versus the PowerShares Emerging Markets Sovereign Debt Portfolio (PCY) shows PCY besting IEF significantly. The one-year performance of PCY totaled about 15% compared with the paltry 4% returns of IEF. PCY has big holdings in countries like Vietnam.
So for your 2013 investments, the overall takeout judging those Best 5 Investment Picks for 2012 is: If MFS and ING talk you might want to listen. Stay tuned for Best 5 Investment Picks for 2013 at AdvisorOne.
Check out these other investment stories at AdvisorOne:


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Now that the Supreme Court has handed down its 5-4 ruling in favor of President Obama's health care overhaul, markets and businesses are dealing with whatever consequences may follow now that the individual insurance mandate is the law of the land.
For registered investment advisors (RIAs), many of whom own small businesses, the challenge now lies in incorporating the Patient Protection and Affordable Care Act's realities into their business operations. The Supreme Court said the landmark health care law's mandate to buy coverage is permissible under Congress' taxing authority. However, the court did significantly restrict the expansion of Medicaid by preventing the federal government from terminating a state's Medicaid funds if a state declines to comply with the PPACA's expansion of Medicaid rules.
"I think the court hit on all the major things that Obama wanted, so it's a pretty big victory for him," said Frank Fantozzi, CEO of Cleveland-based Planned Financial Services, a wealth management firm that has $250 million in assets under management and offers securities through LPL Financial. "The market usually starts feeling like it knows what's going to happen, but I think everyone is surprised that it passed because they were feeling that it wasn't going to pass. Setting politics aside, the market's going to have to digest this, but long term, this all gets baked into the economy just as past legislations have come to fruition."
Fantozzi added that his own eight-employee firm already pays for health insurance coverage, but if the act works the way it's supposed to, he should see a reduction in his premiums.
"The question is, with all these providers, will the savings be passed on, or will there be leakage in regards to administration and everything else?" he said. "I don't know that, and it's the question everybody is asking."
Gallup Poll Shows Growing Confidence in U.S. Health Care System
Signed into law on March 23, 2010, the law led to a sense of national malaise as Democrats and Republicans argued over whether the mandate was constitutional. According to a Gallup poll on health care released Thursday, confidence in the U.S. medical system has risen since passage of the PPACA, with 41% of Americans now feeling confident versus 36% in 2009.
"Confidence in the U.S. medical system hit a low of 31% in 2007, a year in which confidence in most U.S. institutions dropped," Gallup reported. "In 2010, after President Obama signed comprehensive U.S. health care reform legislation, confidence improved a bit more to 40%, and has stayed at about that level—essentially the historical average—since then."
Democrats showed the largest increase in confidence, but Republicans have typically shown greater confidence in the medical system than independents or Democrats, and that is now the case, Gallup said. Currently, 49% of Republicans have "a great deal or quite a lot of confidence in the medical system," compared with 44% of Democrats and 34% of independents.
The U.S. stock market's response immediately after the complicated ruling was handed down was one of near inactivity as participants digested the news. By noon, the Dow Jones industrial average was down 132 points, or 1.05%, at 12,494. The S&P 500 was down 13 points, or 1.0%, at 1,319. The Nasdaq index was down 40 points, or 1.41%, at 2835.
Earlier in the week, the markets had anticipated that the Supreme Court would put an end to "Obamacare." On Monday, quoting a Goldman Sachs Q&A on possible outcomes of the Supreme Court ruling, the Zero Hedge blog highlighted the online prediction market intrade.com's implication for roughly a 75% probability that the individual mandate would be struck down, up from about 35% prior to the oral arguments and 55% a month ago.
Most Small-Business Owners Favor Obama's Health Care Overhaul
As for small-business owners, the advocacy group Small Business Majority found in a January survey that just one-third of owners wanted the Supreme Court to overturn PPACA. Half wanted to see it upheld with few or no changes.
Small Business Majority's national survey of 619 small business owners with fewer than 50 employees also showed how they view small business tax credits and insurance exchanges. It found that 33% of employers who don't offer insurance now said they'd be more likely to do so because of the tax credits. Another 33% not offering insurance said they'd be more likely to because of insurance exchanges. Results for employers already providing benefits were almost identical.
"These findings are very encouraging," said Small Business Majority Chief Executive John Arensmeyer in a statement. "Once small-business owners learn about the tax credits and insurance exchanges, they realize these provisions will help them provide insurance to their workers, many for the first time ever. However, many employers don't know these provisions exist, so it's imperative to continue getting the word out so they can take advantage of these benefits."
S&P Capital IQ equity analyst and health care research head Jeffrey Loo said in a phone interview Monday that the health care sector has been outperforming the overall market, and that he would expect some downward pressure on the sector if the Supreme Court overturned the individual mandate.
With the finding that the mandate is constitutional, and assuming the law continues to be implemented as scheduled, the health care sector stands to benefit from about 32 million additional insured customers phased in from 2014 to 2019, he said.
In a June 12 analyst note on potential winners and losers, Loo had warned that even after the Supreme Court ruling, he believed there would be continued heated opposition and possible introduction of new legislation. "If the law is upheld," he wrote, "presidential candidate Mitt Romney has vowed to repeal the law if he is elected. Some Democrats have already stated their intention to introduce new legislation if the law is overturned. So although the Supreme Court decisions will remove some of the uncertainty hanging over the health care industry in the short term, we believe there will be some continued uncertainty regardless of the decisions."
'Actually, I Shouldn't Call It Obamacare Anymore'
Fantozzi, for his part, said that health insurance costs in the United States could go down as PPACA goes into effect.
"Theoretically, if you buy into Obama's arguments, health care costs should go down," he said. "If everyone is required to have insurance, then you will avoid adverse risk selection. In other words, the only people who have tended to buy insurance are those who are unhealthy, which means that healthy people who could buy into the system and reduce its cost have not been participating."
Asked what he was advising his clients, Fantozzi responded that from an investment standpoint, the business owners that he advises are concerned that their cost to comply with all the PPACA's rules would be high.
"That's their big fear about Obamacare," he said, adding with a laugh, "actually, I shouldn't call it Obamacare anymore, but the new health care law."
Nevertheless, Fantozzi expects the overall feeling now will be relief as the Supreme Court ruling calms markets.
"Clearly, what the markets like is certainty," he said. "Whether it's good certainty or bad certainty, they know now what we're dealing with, so companies can begin planning. I think what you'll see in the next three to six months is people saying, "OK, we may not like these rules, but now we know what we're dealing with and can plan accordingly."
Read Supreme Court Upholds Health Care Law at AdvisorOne.
Read Supreme Court Ruling Won't Mute Varied Health Care Concerns at AdvisorOne.


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AUSTRALIAN OPEN: Roger Federer ready to take on last Aussie standing
MELBOURNE, Australia -- His tennis attire now splashed with pink, Roger Federer was trying to recruit support for his next match.
Ordinarily, this wouldn't be a problem. Federer is one of the most popular athletes in Australia, where he has won four of his 17 Grand Slam titles.
The only problem is this: His 6-3, 6-4, 6-4 win over Nikolay Davydenko on Thursday night set Federer on course for a third-round match against Bernard Tomic, the last remaining Australian in the men's or women's draws.
The 20-year-old Tomic beat German qualifier Daniel Brands 6-7 (4), 7-5, 7-6 (3), 7-6 (8) in the last afternoon match on the center court at Melbourne Park, keeping his cool on a long, searing day in which temperatures hit 106 degrees.
Federer praised Tomic's play for the crowd, and later said he won't mind for whom or how loud fans are cheering Saturday.
"I don't think it matters whether he's the last Australian or 10 more," Federer said. "There's always excitement about Aussies playing here. I played him here last year. The crowd was great. I expect something similar. If it's not, if it's totally for him, that's fine, too. I'm always excited when the crowd gets into it."
Federer has added a few flashes of color for the year's opening Grand Slam event -- neon pink shoelaces and trim on the back of his shoes, on the V-neck of his shirt and the swoosh on his black headband. This is quite a departure from the Swiss star's usual hues and from the bright yellow that seems the predominant shade of choice for player clothes and accessories at this tournament.
"I like to play around with colors," he explained. "Fresh start to a new year. I wore a pink shirt a few years back. It was a best seller, so ...."
The day-time temperature got progressively hotter until late afternoon, meaning top-ranked Victoria Azarenka had it slightly easier in her second-round match -- a 6-1, 6-0 win over Eleni Daniilidou, Greece -- than third-ranked Serena Williams did in the very next match on Rod Laver Arena, a 6-2, 6-0 win over Garbine Muguruza of Spain.
There was concern after she hurt her right ankle Tuesday that an injury might ruin Williams' run at a third consecutive major title. She said the ankle didn't bother her as much on Thursday as a split lip, which she did by accidently hitting herself in the face with the racket in the sixth game.
"It's OK," she said. "It's a war wound."
"I have never busted it wide open like that," she added, "I was like, 'Oh, no. I can't have a tooth fall out.' That would be horrible."
She next plays Ayumi Morita, one of two Japanese women already in the third round. The other, 42-year-old Kimiko Date-Krumm, downed Shahar Peer of Israel 6-2, 7-5.
Other women advancing included former No. 1-ranked Caroline Wozniacki, No. 14 Maria Kirilenko, No. 16 Roberta Vinci, No. 20 Yanina Wickmayer and Elena Vesnina, who beat No. 21-seeded Varvara Lepchenko of the United States 6-4, 6-2.
After her singles match, Williams attempted to show there was no serious damage to her ankle by combining with sister Venus in a first-round doubles win later in the afternoon.
That was good preparation for Venus' third-round match against No. 2-ranked Maria Sharapova, one of the highlights of Friday's schedule. Novak Djokovic resumes his bid for a third consecutive Australian Open title when he takes on Radek Stepanek in the third round in the afternoon. No. 4 David Ferrer plays Marcos Baghdatis in the last match in what should be another late finish.
British teenager Laura Robson ensured that the Day Four program ran into Day Five when she rallied to oust No. 8-seeded Petra Kvitova, the 2011 Wimbledon champion, 2-6, 6-3, 11-9. After coming from a break down in the third set, she missed a chance to serve out the match at 6-5. She made no mistake the second time, in the early hours of Friday.
"I never gave up, even when she went up a break twice in the third," said Robson, who will turn 19 next week. "Today was pretty ugly, but in terms of how tough it was to close it out in the end, I think it's right up there with one of the best wins."
She will next play 19-year-old American Sloane Stephens, who beat Kristina Mladenovic of France 6-4, 6-3.
Robson won a mixed doubles silver medal with Andy Murray at the London Olympics, giving her the confidence to move up in the rankings.
The Olympic campaign was the tonic Murray needed to overcome his issues with converting Grand Slam finals into victories.
The Scotsman won the Olympic singles gold medal, avenging a Wimbledon final loss to Federer, then broke a 76-year drought for British men at the Grand Slam events by winning the U.S. Open. He arrived in Australia as a reigning major champion and won a title in a tuneup event in Brisbane before heading to Melbourne Park.
On Thursday, he beat Joao Sousa of Portugal 6-2, 6-2, 6-4 to advance to the third round.
He played in the heat of the day, but said didn't mind because it wasn't humid. Players slung towels packed with ice over their shoulders or wore ice vests to keep their cool at the changeovers, and lingered in the shade if they could find any on a bright, nearly cloudless day.
Frenchman Gael Monfils was so exhausted by the end of his match that he tried to finish it off quickly with an ace, but double-faulted three times on match point, laughing almost deliriously at one particularly wayward serve. In the end, his 29 aces outdid his 23 double-faults in a 7-6 (5), 4-6, 0-6, 6-1, 8-6 win over Taiwan's Yen-hsun Lu.
Among the other men advancing were 2009 U.S. Open champion Juan Martin del Potro, 2008 Australian finalist Jo-Wilfried Tsonga and fellow Frenchman Richard Gasquet, No. 13 Milos Raonic of Canada, No. 17 Philipp Kohlschreiber of Germany and No. 21 Andreas Seppi of Italy.
James Duckworth lost a 4-hour, 52-minute 3-6, 6-3, 6-4, 6-7 (3), 10-8 match to Slovenian Blaz Kavcic on an outside court, saying he was "sweating bucket loads," was cramping badly and his feet were burning.
It was Duckworth's loss in the longest match of the tournament this year that left Tomic as the lone Aussie.
Tomic earned plenty of kudos in a fourth-round loss to Federer in Australia last year, but his season spiraled downward after that. He redeemed himself with a win over top-ranked Novak Djokovic at the exhibition Hopman Cup in Perth this month, then won his first ATP World Tour title at Sydney in the week leading to the Open.
He is on a 10-match winning streak, has held 76 consecutive service games and is feeling good going into his match against Federer -- despite letting a curse word slip in a live post-match TV interview.
"Ten out of 10 now with matches," he said of his 2013 season to date. "I feel so confident. This is the perfect time to play him. I've got a good attitude to win. I've beaten a lot of good players over the last past two weeks, especially Novak.
"I think I can do it. ... I'm ready."