For example, Vanguard Advisor's Alpha says advisers can add meaningful value through wealth management via "financial planning, behavioral coaching, and guidance. " Creating portfolio benchmarks could enhance these services by tying together discussions about investment goals and objectives, asset allocation, risk-and-return expectations, and accountability. Investors are being inundated with hypothetical performance claims and declarations about the benefits of investing in index funds. But the behavioral risks of such portfolios cannot be measured using the statistical outputs of a backtest. Popular misunderstandings about the benefits of index funds lead investors to underestimate the risks they are taking and may cause them to sell in a panic during the next market swoon. One rash decision can wipe out many years of investment returns. Advisers need to manage expectations. This means making the difficult transition from product salespeople to investment counselors and focusing portfolio discussions on investment philosophy and process.
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Cell phones contain water damage indicators. A water damage indicator, known by a variety of other names, is a small device found inside many electronic devices that permanently changes color when it comes in contact with water or other liquids. Manufacturers and repair services use the indicators to quickly check a device for water damage, which is not covered by most warranties. They are commonly found in cell phones, portable music players, laptop computers, and other types of electronics. These indicators can be controversial; some consumers claim they are unreliable and used to deny warranty coverage for devices that have not suffered water damage. A water damage indicator may be located on the headphone jack of an electronic device. Manufacturers, the press, and consumers have a number of different names for water damage indicators, including water damage tape, water damage sticker, water contact indicator tape, liquid submersion indicator, and liquid contact indicator. Regardless of what they are called, these indicators all work in the same way: when exposed to water or liquids containing water, they change color.
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Just as you would with a gas-powered vehicle, you'll need to take extra steps during long term storage. Instructions can be found in the operator's manual. Since the battery used in our electric vehicles is automotive- grade, it's extremely durable and engineered for longevity and reliability. Very rarely does a battery need to be replaced during the average ownership period. In many ways, you'll notice an improvement. Unlike gas cars, electric cars deliver power to your wheels instantly, with no lag time, as soon as you step on the pedal. The result is greater torque and acceleration. They're also exceptionally smooth. There's no gear shift and no shaking when idle. Most drivers are so accustomed to the constant vibration of gas vehicles that it isn't until they experience electric that they realize the remarkable difference. MPGe is the electric equivalent of miles per gallon. Essentially, it's how manufacturers show the efficiency of a vehicle: The higher the MPGe, the more efficient it is.
Call 407-846-2240 for a free consultation. FINDING THE RIGHT FLORIDA VEHICLE ACCIDENT LAWYER Car accidents. It's an unfortunate fact of life, but auto accidents are common occurrences that claim the lives of thousands of people nationwide every year. Nearly 40, 000 died in car accidents nationwide last year, and more than 4. 5 million people were injured. Car accidents also result in untold injuries and billions of dollars in property damage. A majority of automobile accidents are caused by negligent driving. The Orlando car accident attorneys at Martinez Manglardi are experts at making sure that you get maximum compensation. Trucking accidents. While there doesn't seem to be any alternative, mixing large delivery vehicles and passenger cars on the same roads often result in injuries and deaths. Usually, car passengers get the worst of any collision between a car and a truck. Nearly a half-million large trucks are involved in accidents annually and one out of every eight traffic fatalities is caused by a collision with a large truck.