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Cowboys 2017 roster: Three fan-favorites that might not make the team
Blogging The Boys (blog)
Training camp begins in a couple weeks and your Dallas Cowboys will be back out on the field doing football things. And with it will come weeks of scrutinizing players performances. Some players will heat up, others will fade. The roster projections …
JP Morgan Chase is increasing the minimum asset level for such services as big banks focus on their richest clients and the rest of us are underserved
So youve just sold those Facebook shares that your high school buddy, Mark Zuckerberg, let you buy years before it went public, and youve made an after-tax profit of $4m. Youre feeling very, very rich.
Until, that is, you talk to a private bank that specializes in managing money for rich people. Thats when you realize that youre nothing more than a single-digit millionaire. Youre just not that special.
In fact, the rate at which the ranks of millionaires is expanding is so great, youre actually pretty boring. Last year alone, the US welcomed 300,000 new millionaires: that translates into a growth rate of 3%, outpacing the growth in the US gross domestic product.
In fact, there are now so many millionaires out there that the private banking system simply cant cope.
JP Morgan Chases private bank has been raising the minimum amount of assets you need to become of its clients slowly and steadily for many years. Early this year, it announced that the minimum asset level to remain a private banking customer would double from $5m to $10m. When that takes effect early next year, about 10% of the banks customers could be shuffled off to a less deluxe service, Private Client Direct. While a private banker might work with only 20 or so people, those working with single digit millionaires might have 100 clients meaning that every one of them gets much less of their advisers time and attention.
JP Morgans move was partly aimed at convincing clients to shift any assets they might be stubbornly holding at other banks, bringing them up above the $10m threshold. But its also a recognition that with the proliferation of millionaires, the private banks that youve heard about the ones that will walk your dog, deliver gold bars with your monogram stamped into them and provide wealth therapy so your children dont grow up entitled brats can pick and choose the clients that they deal with.
A sign of just how ruthless they have become is that JP Morgans new rule even applies to the corporate lawyers with whom its investment bankers work closely on big deals. Until now, access to private banking programs have been among the perks offered to lawyers at firms like Skadden Arps, Slate, Meagher & Flom; now, the word is that they too will be shut out from this special treatment (and the access to hedge fund investments and other products and events that only the super-elite can tap into). Imagine how the poor lawyer who does a deal for a Silicon Valley billionaire must feel: hes negotiating with the very bankers who have thrown him out of their private club, on behalf of a client who is welcome to join it.
If you dont feel much empathy for that hypothetical lawyer, worth millions, just because he cant qualify for super-special treatment from banks, I dont blame you. The fact is that as banks scramble to emphasize with wealthier clients, it comes at the expense of serving the rest of their clientele.
JP Morgans private clients might feel offended at being demoted. On the other hand, those of us who merely toil for our money and whose net worth hasnt reached seven digits yet might be flattered to be invited to join Private Client Direct, a program serving the mass affluent that offers after-hours access, a phone number to reach a banker any time and a few special perks. (Yes, even if that also involves some heavy pressure to buy the banks proprietary investment products.)
But even then, well need $500,000 in investments or $250,000 in deposits to qualify, and minimums for other such programs at other banks arent very different.
All of which brings me to an important point.
Big banks are struggling to make money. Thats why Wells Fargos 5,300 rank-and-file employees were encouraged, or at least not discouraged, to set up phony accounts in the names of existing clients, earning the bank more in fees (phew) and helping those employees hit sales targets. The bank opened 1.5m of these ghost accounts and has paid out $185m in penalties to various regulators, including a record $100m to the Consumer Financial Protection Bureau.
Its also why the banks want to focus on their richest clients. Investing time and money in working with those of us who may only have a few thousand dollars to put to work is a waste of their resources in their eyes.
The problem is that as they keep conducting triage, and denying access to investment guidance to one group after another, more and more of us will end up without the ability to turn to the banks to help us manage our investments. Lets face it, JP Morgan and other private banks can boost their investment minimums dramatically, but the incomes of most Americans are barely budging. Were less and less likely to have the minimum level of assets that most investment counselors want to see before accepting us as a client.
Robo-advisers the new breed of automated investment platforms that use algorithms to invest your money, taking into account factors such as age, income and risk tolerance offer sensible alternatives. But they work best for those people who are familiar with how financial markets work. Someone who isnt comfortable with markets, doesnt understand the concept of an index fund, isnt completely sure about how an asset allocation will help them, or isnt certain about the relationship between stocks and bonds may not want to simply hand over their money to a robo-adviser and then step away.
So, big banks are in love with the billionaires who generate the bulk of their profits. Even the single-digit millionaires these days are starting to realize that they just dont count as much as they used to. But at least if those folks make an error or two along the way, they have financial padding to cushion their fall.
The rest of us? Like everyone else, were increasingly underserved by the banks and the rest of the financial services industry, and our needs are growing. A third of all Americans lack any retirement savings in a 401(k) plan or other tax-deferred account. That isnt the fault of the banks, but its something that the banks could help to fix by offering even basic financial education and counselling to those who dont have balances with many, many digits. Then wed at least feel we were getting value for the account fees were already paying.
As it is, if I were a single-digit millionaire tossed out of the paradise of private banking, Id walk away from that bank altogether. They dont want me? Heck, I dont want them either. There are plenty of independent financial advisers out there who unlike the banks arent intent on making more money flogging their own proprietary investment products. Instead, they vow to put their clients financial interests before their own, come what may. Try one of those instead.
For the rest of us? Well, we can keep demanding better financial education, however and whenever possible. And that the banks at least try to employ a better-functioning moral barometer.
Advertisements are coming to the world of Pokmon Go.
This is likely to upset tons of people, seeing as we’ve all gotten so used to not having to pay for any of our entertainment. The fact that a money-making company would try to make money is abhorrent to us.
Apparently, according to the CEO of Niantic (the company that developed the app), the ad revenue will come in the form of sponsored locations, where companies pay us to be locations within the virtual game board the premise being that is an inducement that drives foot traffic.
Now, apart from the fact that he is now the second person in history to actually use the word inducement the first was Shakespeare’s more pretentious brother, Phil this is the world’s most effective advertisement model ever.
These companies can literally make people walk into their stores.
There could be a million uses for this. Icould get people to go to my extremely poorly attended shows with my band we’re called “The Obamacarebears,” by the way or protest organizers could call in a legion of Pokmon-obsessed citizens to a rally.
Maybe, once these people finish catching their 69th Ratattas, they’d look up andfind themselves accidentally taking part in something that actually matters.
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3 Great Ways to Make Money on the Side
As you can see, the blog post, entitled Top 10 best home based business ideas to make money online, earned $260 for a single quarter, which equates to around $1,040 per year in AdSense earnings alone. Factoring in affiliate commissions and direct …
Blogging The Boys (blog)
Getting hyped about the possibility of Taco Charlton becoming a pass-rushing force
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SB Nation is unveiling their NFL Hype Week today, and they asked the NFL team blogs to post an article about who they are excited about for the 2017 season. For the Dallas Cowboys, there are plenty of possibilities. There is the sophomore season for …
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In an extract from a new book, Scholes talks about how he has fallen out of love with the Premier League and why he is not sure he will ever go into management
I dont find elite football as interesting to watch any more, especially in England. You hear about people saying English footballs the best football there is around. I think Spains by far the best league. Germany has better teams. In Italy probably the strength in depth isnt great. They talk about Italy being a bad league but I dont think English people look at it. They say its boring. No chance. The Juventus team would beat any team in this league. They came up to Manchester City and beat them easy. But we have this interpretation of the Italian league that its rubbish. They only try to defend. No chance.
The Spanish leagues the best by far if youre judging on the European competitions. In the quarter-finals of the Champions League and the Europa League in 201516, they had six of the 16 teams. Nearly half of them. The Premier League had just two.
There needs to be a real step up in quality in England. Other than Sergio Agero, Kevin De Bruyne and David Silva, we dont have the best players. All the best players are in other countries.
The best players are in Spain or at Bayern Munich and Juventus. Were linked with big players Gareth Bale is a top player but we dont get them now. Not any more. You never see a Lionel Messi coming over here, you never see a Neymar in the Premier League.
I probably do enjoy watching Salford more. I dont know if its as much that I dont like the hassle of going to the game, getting in, sitting in traffic. Going to Salford, I park up behind the goal and get out of my car. But I genuinely get more enjoyment from watching even my sons team, Royter Town. Its like a mens team, but hes 16. He started playing a few games for them last season. I went to watch him once, it was 5-4. Its just entertainment.
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We're live blogging WWE Great Balls of Fire 2017
Now this should be interesting. Samoa Joe vs. Brock Lesnar is a proverbial dream match, one that could conceivably co-main event WrestleMania. But here it is, headlining this B-level pay-per-view with the inane Great Balls of Fire name, and Joe is just …
The Canadian fighter is a heart-pounding talent, and could become a huge star in countries where martial arts are a huge part of the culture
Angela Lee wants people to think of her as a typical young woman, but thats difficult to accept considering what shes already done.
Im a normal person who happens to be a fighter and a world champion, Lee, 20, tells the Guardian. The Canadian-born, Hawaii-raised fighter says this with a giggle and undeniable sincerity. Many people in her life, including those who make money off her, paint a picture of an athlete poised to breakout big in Asia her father is from Singapore and her mother is South Korean at a time when the continent is beginning to follow mixed martial arts in ways it was unable to before.
Asian audiences are just now starting to engage in Asian content. All weve ever had access to was North American and European content. We were not prolific in producing quality Asian content. Im talking world-class content. Sports or soap operas, its very new, said promoter Victor Cui, the CEO International of ONE Championship, an MMA promotion focused on building stars such as Lee in Asia. The way I look at it is this: Asia is very used to seeing global icons in martial arts, like Michelle Yeoh in Crouching Tiger, Hidden Dragon. Seeing a talented female martial artist is not something foreign in Asia, which is why I think Angela is so readily accepted.
I dont think theres a ceiling to Lees potential, added Cui, a former ESPN executive.
Lee, who is unbeaten seven fights into her professional MMA career, deserves at least a mention alongside the most heart-pounding prospects in the sport. Lee captured the championship belt in ONEs atomweight division last year, and after defending it for the first time in March she is positioned to become the first breakout fighter of Asian descent in many years, with the potential for widespread fame looming.
At the start of Lees career in Asia she was quizzed on her background and heritage. Soon she learned how to respond. She was half-Korean, half-Chinese Singaporean, she told people, born in Canada and raised in Hawaii. Thats kind of a mouthful, Lee explained, but as the media and fan bases in different parts of Asia began to understand her story they quickly accepted her. Im a mix of everything and I think thats a plus. It gives me more experience culturally knowing that Ive been to these different places around the world.
Lee was also shaped by the women pioneers who came before her Gina Carano, Cris Cyborg and Ronda Rousey. It made me want to pursue this even more, Lee said. I was training and competing and seeing them do their thing on TV and being able to travel and do what they love, it just really inspired me. I never had a thought in my mind that I wasnt going to make it.
My great grandma actually watches the fights. Shes not scared of anything. I think thats why it kind of runs in our blood in my family. Were all fighters in some sense.
Unlike Carano, Cyborg and Rousey, from her earliest experiences in martial arts Lee was molded as a competitor with a full arsenal. That foundation produced a dynamic and aggressive fighter, who to this point has sought to finish her opponents in a variety of ways.
Coming from a martial arts family and being introduced to the sport at such a young age, I just kind of grew up in it, Lee said. This is all I kind of knew. Martial arts is a huge part of my life it always has been. I didnt have a second option when it came to career choice. I didnt see myself being a teacher or a doctor or something like that. I knew I wanted to do something MMA related.
Observers of mixed fighting have anticipated an emergence of young competitors who would be well versed in all aspects of MMA from striking to wrestling from the moment they first stepped into the cage. Lee is certainly an example of that, and her talent has been a boon to ONE Championship. The promotion, a partner to the Singaporean government, signed Lee ahead of her professional debut in 2015 and quickly doubled down with a contract that made Lee among the highest paid female fighters in MMA.
My advantage is that from the beginning I learned mixed martial arts as a whole, Lee said. You can see it from the transition from the standup to the ground and everything in between.
Because of Lee and their stable of 450 fighters, ONE has experienced explosive growth over the past five years, claiming between 10 to 50 times the exposure in Asia compared to the industry leading UFC.
We have been more fortunate in that there is one common denominator in our world, which is martial arts, said Cui. Its the only sport that is truly Asian. Its been the home of martial arts for the last 5,000 years. Every country we go to at its core has some form of martial arts that theyre fiercely proud of.
So we actually go into a country and we dont need to teach anybody that sport, whereas if we were bringing ice hockey to every country we would need to teach them who the Edmonton Oilers were everywhere we go. But whether youre a five-year-old kid or a 105-year-old grandmother you know what the best martial artists are like and when two people come together theres nothing to explain.
Considering MMAs business model is less than a quarter century old, the potential for Asia to challenge UFCs dominance should not be dismissed.
Were at the very early days, literally scratching the surface of what the opportunity is, Cui said. I think youre going to see more and more our content and TV ratings starting to dominate because of the combination of our live broadcast, the sport, our local heroes and the simplicity of the rules. If we continue to to exponentially grow on social media with content, man, for us to hit a billion impressions in the first quarter and it took us a year last year I was really shocked.
The potential audience in Asia has Cui most excited. During a panel discussion on Asias entrepreneurs earlier this month in Los Angeles, Cui noted that China was poised to spend $18tn on sports in the next 20 years. In 2016, Cui moved his office from Singapore to Shanghai to focus on developing their Chinese business.
The advantage with Asia is the rest of the world does want to see who the next Bruce Lee is, Cui said. They want to see who the next Asian athlete is [in combat sports]. There is a legitimate interest among fans to see what Asians are going to be the best in the world. Thats not common in any other sport. No one is waiting for the next Chinese champion in tennis.
In March, Lee visited Shanghai to conduct a workshop with Nike. Unlike in the US, where big brands have remained reticent to fully support MMA especially after embarrassing mishaps with the likes of troubled former UFC champion Jon Jones that prompted Nike to pull back from MMA in North America the Asian side of the business has been ripe for promotion. Disneys Marvel, for example, partnered with ONE Championship to launch its films to Asian audience.
Lee is also a big plus for any promotion intending to make inroads in Asia. [Brands] are much more inclined to have an Angela Lee working with them, said Cui. If she was fluent in Chinese that would be amazing.