document.write('\x3cmeta http-equiv=\x22x-dns-prefetch-control\x22 content=\x22off\x22/\x3e\x3col class=\x22tumblr_posts\x22\x3e\x0a    \x0a        \x0a\x0a        \x0a\x0a        \x0a            \x3cli class=\x22tumblr_post tumblr_quote_post\x22\x3e\x0a                \x3cdiv class=\x22tumblr_quote\x22\x3e\x0a                    \x3cspan class=\x22tumblr_open_quote\x22\x3e\x26#147;\x3c/span\x3eResearch by Professor Brynjolfsson and two other colleagues, published last year, suggests that data-guided management is spreading across corporate America and starting to pay off. They studied 179 large companies and found that those adopting \u201cdata-driven decision making\u201d achieved productivity gains that were 5 percent to 6 percent higher than other factors could explain.\x3cspan class=\x22tumblr_close_quote\x22\x3e\x26#148;\x3c/span\x3e\x0a                \x3c/div\x3e\x0a                \x0a                \x0a                    \x3cdiv class=\x22tumblr_source\x22\x3e\x0a                        \x3ca href=\x22http://www.nytimes.com/2012/02/12/sunday-review/big-datas-impact-in-the-world.html?pagewanted=all?src=tp\x22\x3eBig Data\u2019s Impact in the World - NYTimes.com\x3c/a\x3e\x0a                    \x3c/div\x3e\x0a                \x0a            \x3c/li\x3e\x0a        \x0a\x0a        \x0a        \x0a        \x0a        \x0a        \x0a\x0a                        \x0a    \x0a        \x0a\x0a        \x0a\x0a        \x0a            \x3cli class=\x22tumblr_post tumblr_quote_post\x22\x3e\x0a                \x3cdiv class=\x22tumblr_quote\x22\x3e\x0a                    \x3cspan class=\x22tumblr_open_quote\x22\x3e\x26#147;\x3c/span\x3eBut recently, hedge funds have fared just as poorly as the banks. The bad economy plays a role in this, of course. But just as important is the fact the hedge-fund industry is almost as overbuilt as the housing and credit markets that drove its profits. In 1990, there were 610 hedge funds in the world. In 2000, there were 3,873; in 2011, there were 9,553, according to a report by Hedge Fund Research. All these funds are chasing fewer surefire trades. \u201cWhen markets are panicked and there\u2019s global risk fear, the markets move in the same direction,\u201d one analyst at a Manhattan hedge fund says. \u201cIt\u2019s just a lot harder to make money.\u201d The easy, obvious plays are oversubscribed, which shrinks margins.\x3cspan class=\x22tumblr_close_quote\x22\x3e\x26#148;\x3c/span\x3e\x0a                \x3c/div\x3e\x0a                \x0a                \x0a                    \x3cdiv class=\x22tumblr_source\x22\x3e\x0a                        \x3ca href=\x22http://nymag.com/print/?/news/features/wall-street-2012-2/\x22\x3eThe End of Wall Street As They Knew It\x3c/a\x3e\x0a                    \x3c/div\x3e\x0a                \x0a            \x3c/li\x3e\x0a        \x0a\x0a        \x0a        \x0a        \x0a        \x0a        \x0a\x0a                        \x0a    \x0a        \x0a\x0a        \x0a\x0a        \x0a            \x3cli class=\x22tumblr_post tumblr_quote_post\x22\x3e\x0a                \x3cdiv class=\x22tumblr_quote\x22\x3e\x0a                    \x3cspan class=\x22tumblr_open_quote\x22\x3e\x26#147;\x3c/span\x3eAdvice givers should be evaluated heavily on how much of their advice is followed. Giving advice is easy. Getting people to follow it is where your value is.\x3cspan class=\x22tumblr_close_quote\x22\x3e\x26#148;\x3c/span\x3e\x0a                \x3c/div\x3e\x0a                \x0a                \x0a                    \x3cdiv class=\x22tumblr_source\x22\x3e\x0a                        \x3ca href=\x22http://www.scottberkun.com/blog/2012/the-top-mistakes-ux-designers-make-the-writeup/\x22\x3eThe top mistakes UX designers make: the writeup \u00ab\x26#160;Scott Berkun\x3c/a\x3e\x0a                    \x3c/div\x3e\x0a                \x0a            \x3c/li\x3e\x0a        \x0a\x0a        \x0a        \x0a        \x0a        \x0a        \x0a\x0a                        \x0a    \x0a        \x0a\x0a        \x0a\x0a        \x0a            \x3cli class=\x22tumblr_post tumblr_quote_post\x22\x3e\x0a                \x3cdiv class=\x22tumblr_quote\x22\x3e\x0a                    \x3cspan class=\x22tumblr_open_quote\x22\x3e\x26#147;\x3c/span\x3e\x3cp\x3eIf \u201cSomeone Like You\u201d produces such intense sadness in listeners, why is it so popular? Last year, Robert Zatorre and his team of neuroscientists at McGill University reported that emotionally intense music releases dopamine in the pleasure and reward centers of the brain, similar to the effects of food, sex and drugs. This makes us feel good and motivates us to repeat the behavior.\x3c/p\x3e\x0a\x0a\x3cp\x3eMeasuring listeners\u2019 responses, Dr. Zatorre\u2019s team found that the number of goose bumps observed correlated with the amount of dopamine released, even when the music was extremely sad. The results suggest that the more emotions a song provokes\u2014whether depressing or uplifting\u2014the more we crave the song.\x3c/p\x3e\x3cspan class=\x22tumblr_close_quote\x22\x3e\x26#148;\x3c/span\x3e\x0a                \x3c/div\x3e\x0a                \x0a                \x0a                    \x3cdiv class=\x22tumblr_source\x22\x3e\x0a                        \x3ca href=\x22http://online.wsj.com/article/SB10001424052970203646004577213010291701378.html?mod=wsj_share_tweet\x22\x3eWhy Adele\x26#8217;s \x26#8216;Someone Like You\x26#8217; Makes Everyone Cry - WSJ.com\x3c/a\x3e\x0a                    \x3c/div\x3e\x0a                \x0a            \x3c/li\x3e\x0a        \x0a\x0a        \x0a        \x0a        \x0a        \x0a        \x0a\x0a                        \x0a    \x0a        \x0a\x0a        \x0a\x0a        \x0a            \x3cli class=\x22tumblr_post tumblr_quote_post\x22\x3e\x0a                \x3cdiv class=\x22tumblr_quote\x22\x3e\x0a                    \x3cspan class=\x22tumblr_open_quote\x22\x3e\x26#147;\x3c/span\x3eThe use of email has plunged by more than 30% in the last year among consumers under the age of 24, owing to the increased use of texting and Facebook to stay in touch.\x3cspan class=\x22tumblr_close_quote\x22\x3e\x26#148;\x3c/span\x3e\x0a                \x3c/div\x3e\x0a                \x0a                \x0a                    \x3cdiv class=\x22tumblr_source\x22\x3e\x0a                        \x3ca href=\x22http://newsosaur.blogspot.com/2012/02/email-stumbles-in-digital-paradigm.html\x22\x3eEmail stumbles in digital paradigm shift\x3c/a\x3e\x0a                    \x3c/div\x3e\x0a                \x0a            \x3c/li\x3e\x0a        \x0a\x0a        \x0a        \x0a        \x0a        \x0a        \x0a\x0a                        \x0a    \x0a        \x0a\x0a        \x0a\x0a        \x0a            \x3cli class=\x22tumblr_post tumblr_quote_post\x22\x3e\x0a                \x3cdiv class=\x22tumblr_quote\x22\x3e\x0a                    \x3cspan class=\x22tumblr_open_quote\x22\x3e\x26#147;\x3c/span\x3eWhen there is something better out there, you can\u2019t help trying to find it. You fall prey to the tyranny of choice\u2014the idea that people, when faced with too many options, find it harder to make a selection.\x3cspan class=\x22tumblr_close_quote\x22\x3e\x26#148;\x3c/span\x3e\x0a                \x3c/div\x3e\x0a                \x0a                \x0a                    \x3cdiv class=\x22tumblr_source\x22\x3e\x0a                        \x3ca href=\x22http://www.newyorker.com/reporting/2011/07/04/110704fa_fact_paumgarten\x22\x3eOnline Dating: Sex, Love, and Loneliness\x26#160;: The New Yorker\x3c/a\x3e\x0a                    \x3c/div\x3e\x0a                \x0a            \x3c/li\x3e\x0a        \x0a\x0a        \x0a        \x0a        \x0a        \x0a        \x0a\x0a                        \x0a    \x0a        \x0a\x0a        \x0a\x0a        \x0a            \x3cli class=\x22tumblr_post tumblr_quote_post\x22\x3e\x0a                \x3cdiv class=\x22tumblr_quote\x22\x3e\x0a                    \x3cspan class=\x22tumblr_open_quote\x22\x3e\x26#147;\x3c/span\x3eOne-quarter of Americans say they will not go to the bathroom without their devices.\x3cspan class=\x22tumblr_close_quote\x22\x3e\x26#148;\x3c/span\x3e\x0a                \x3c/div\x3e\x0a                \x0a                \x0a                    \x3cdiv class=\x22tumblr_source\x22\x3e\x0a                        \x3ca href=\x22http://bits.blogs.nytimes.com/2012/01/30/the-rise-of-the-toilet-texter/?smid=tw-nytimesbits\x26amp;seid=auto\x22\x3eThe Rise of the Toilet Texter - NYTimes.com\x3c/a\x3e\x0a                    \x3c/div\x3e\x0a                \x0a            \x3c/li\x3e\x0a        \x0a\x0a        \x0a        \x0a        \x0a        \x0a        \x0a\x0a                        \x0a    \x0a        \x0a\x0a        \x0a\x0a        \x0a            \x3cli class=\x22tumblr_post tumblr_quote_post\x22\x3e\x0a                \x3cdiv class=\x22tumblr_quote\x22\x3e\x0a                    \x3cspan class=\x22tumblr_open_quote\x22\x3e\x26#147;\x3c/span\x3eThe economic downturn in 2008 adversely affected investors\u2019 opinions about wealth managers. Regaining their trust will require reaching and communicating with them through more dynamic channels, including social media.\x3cspan class=\x22tumblr_close_quote\x22\x3e\x26#148;\x3c/span\x3e\x0a                \x3c/div\x3e\x0a                \x0a                \x0a                    \x3cdiv class=\x22tumblr_source\x22\x3e\x0a                        \x3ca href=\x22http://t.co/VNRcctsT\x22\x3eTweet by MichaelKitces\x3c/a\x3e\x0a                    \x3c/div\x3e\x0a                \x0a            \x3c/li\x3e\x0a        \x0a\x0a        \x0a        \x0a        \x0a        \x0a        \x0a\x0a                        \x0a    \x0a        \x0a\x0a        \x0a\x0a        \x0a            \x3cli class=\x22tumblr_post tumblr_quote_post\x22\x3e\x0a                \x3cdiv class=\x22tumblr_quote\x22\x3e\x0a                    \x3cspan class=\x22tumblr_open_quote\x22\x3e\x26#147;\x3c/span\x3eOne thing that no all-in-one investment product does well is manage taxes. Almost everything complicated about investing comes down to taxes. We have all these different accounts (401(k), Roth IRA, 529 college savings plan, taxable brokerage account) that are taxed in different ways.\x3cbr/\x3e\x0aTo make matters worse, different investments are taxed differently. Interest on bonds is taxable at your ordinary income rate. Most stock dividends are taxed at a lower rate. Then there\u2019s short-term and long-term capital gains rates, which range from zero to 35%, depending on\u2026 Oh, let\u2019s not get into it.\x3cbr/\x3e\x0aWhat this means, in short, is that if you have a mix of taxable and tax-advantaged investment accounts, like a 401(k) plus a regular brokerage account, it\u2019s a bad idea to reproduce the same portfolio in both places. You\u2019ll pay more tax than necessary. Automated services like Wealthfront or target-date funds don\u2019t take this into account. They can build you a nice diversified portfolio, but if it doesn\u2019t consider your tax situation, it\u2019s not the best portfolio for you.\x3cbr/\x3e\x0aTraditional financial advisors are good at playing this tax game.\x3cspan class=\x22tumblr_close_quote\x22\x3e\x26#148;\x3c/span\x3e\x0a                \x3c/div\x3e\x0a                \x0a                \x0a                    \x3cdiv class=\x22tumblr_source\x22\x3e\x0a                        \x3ca href=\x22http://www.mint.com/blog/investing/are-portfolio-management-apps-right-for-you-012012/\x22\x3eAre Portfolio Management Apps Right for You? | MintLife Blog | Personal Finance News \x26amp; Advice\x3c/a\x3e\x0a                    \x3c/div\x3e\x0a                \x0a            \x3c/li\x3e\x0a        \x0a\x0a        \x0a        \x0a        \x0a        \x0a        \x0a\x0a                        \x0a    \x0a        \x0a\x0a        \x0a\x0a        \x0a            \x3cli class=\x22tumblr_post tumblr_quote_post\x22\x3e\x0a                \x3cdiv class=\x22tumblr_quote\x22\x3e\x0a                    \x3cspan class=\x22tumblr_open_quote\x22\x3e\x26#147;\x3c/span\x3ebank and credit union executives say their organization\u2019s lack of marketing investment is what holds them back, this despite the fact that nearly half saw their budgets increase in 2012. They also feel that their I.T. systems are limiting, that it\u2019s difficult to get employee support for marketing initiatives, and (of course) there\u2019s always a boatload of compliance headaches.\x3cspan class=\x22tumblr_close_quote\x22\x3e\x26#148;\x3c/span\x3e\x0a                \x3c/div\x3e\x0a                \x0a                \x0a                    \x3cdiv class=\x22tumblr_source\x22\x3e\x0a                        \x3ca href=\x22http://t.co/W5t4Fgrd\x22\x3eTweet by brettking\x3c/a\x3e\x0a                    \x3c/div\x3e\x0a                \x0a            \x3c/li\x3e\x0a        \x0a\x0a        \x0a        \x0a        \x0a        \x0a        \x0a\x0a                        \x0a    \x0a\x3c/ol\x3e');