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admin | Ex Boyfriend Back | 10.02.2016
Rebound relationships get a bad rap, but do they really deserve all the bad press they receive? Ending a long standing relationship, or suffering through a divorce, can bring up a myriad of different emotions. Instead of reminiscing about the past and wallowing in what might have been, you are actually out there enjoying life. At one point or another, we all come to the realization that good self esteem can never be found through the eyes of another. Perhaps the greatest pitfall of the rebound relationship is that you haven't given yourself enough time to evaluate what went wrong in your previous relationship. After all of those negatives you may be asking yourself, "do rebound relationships 'ever work'?" The short answer, and this may be surprising, is yes. For example, if both of you value honesty, hard work, and family, art classes and new foods notwithstanding, then you actually do have a lot in common.
So, don't be dismayed if, at least on the surface, it appears that the two of you have little in common. The truth of the matter is, any relationship, rebound or not, has the ability to flourish into a mutually satisfying partnership.
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Your friends warn you that your new relationship might be a rebound, as your date’s last relationship didn’t end all that long ago.
If you get the sense that your date is just happy to be dating someone — anyone, really — and not you in particular, don’t ignore that red flag. If you’re feeling like there’s too much emphasis on your physical relationship, there probably is. If his friends (or yours) are raising their eyebrows at the speed with which he started dating again post-breakup, the new relationship might be poorly timed.
Advisory firms often focus on training their sales reps and ensuring that advertising and web campaigns target appropriate customers. Changes to forms 1099-R and 5498 that require IRA custodians to disclose hard-to-value assets in IRAs could lead to the Internal Revenue Service increasing its enforcement of required minimum distributions.
Present bias, or spending money now rather than saving, and failing to appreciate the power of compounded earnings has cost retirement savers $1.7 trillion. A lawsuit alleging that Edison International improperly favored high-fee funds for its 401(k) plan has been rejected by 9th U.S. The Security and Exchange Commission’s Investor Advisory Committee wants the regulator to mandate that standard fees be disclosed--in actual dollar amounts--on customer account statements. Morgan Stanley is building a help desk with more than 10 staffers who will answers questions from financial advisors about complying with the new retirement fiduciary rule.
Even though markets have been calm recently, the large equity selloff in the second half of 2015 and in the early portion of 2016 illustrates how quickly investor sentiment can sour.
Robo-advisor Betterment has raised another $100 million in venture capital and plans to use the funding to build out additional advice products. The registered investment advisor community is quickly growing as clients increasingly prefer working with advisors who comply with the fiduciary standard, says Bill Van Law, president of Raymond James’s Investment Advisors Division. Advisors with the Certified Financial Planner distinction tend to have higher levels of trust among clients and earn, on average, 20% more than other advisors, according to a study funded by the CFP Board of Standards and conducted by the Aite Group.
The Securities and Exchange Commission has created the office of Risk and Strategy to focus on examining investment advisors and mutual funds.
Many Americans nearing retirement age are pursuing careers with a charitable or civic service nature, which is creating opportunities for financial planners. The Securities and Exchange Commission’s decision to shift resources from broker exams to advisor exams has been driven by necessity, says Marc Wyatt, director of the examinations office. Among black working-age households, 62% have no savings in retirement accounts, while only 37% of working-age white households lack such savings, according to a National Institute on Retirement study. Individuals who are old enough to sneak past the recent termination deadline for using the file and suspend strategy that helps boost Social Security benefits are reportedly being told they are not allowed to use the strategy.
A study of retirement assets during the 2000s has concluded that retirees in the top quintile of wealth have been spending substantially less than their savings allows for. Funding for the Securities and Exchange Commission and the Futures Trading Commission would be doubled by 2021 under the budget recently proposed by President Obama. President Obama’s proposed budget includes provisions that would increase the number of Americans covered by employer-sponsored retirement plans by expanding the use of multiple employer plans. Bill McNabb, who is the chief of ETF giant The Vanguard Group is warning the industry that the large number of ETFs being launched could create problems for investors.
The Department of Labor’s proposed fiduciary standard could create a big increase in orphan accounts, which are accounts that end up being managed by home offices rather than by broker-dealers registered reps, says Paul Sankovich, chief compliance officer at Wells Fargo Advisors Financial Network. The Financial Industry Regulatory Authority (FINRA) is investigating how robo advisors manage risk, says Dawn Calonge, surveillance director at the organization. Deena Friedman, who skippered the Fidelity Select Retail Fund to an 18.59% return in 2015, has been selected by Bloomberg as the stock picker of the year. Only one out of every five advisor recruits stays in the industry, but firms can take various steps to improve retention. The Securities and Exchange Commission has fined Everhart Financial Group nearly $240,000 and ordered the advisory firm to appoint a chief compliance officer after the regulator determined that the company was inappropriately recommending funds with 12b-1 fees for retirement plans.
With weakening economic growth in China and other concerns driving market volatility, billionaire investor George Soros says capital markets currently remind him of conditions that existed during the economic crisis of 2008.
For financial advisory firms, implementing customer relationship management technology can be a high stakes and dicey undertaking. Galen Marsh, who as a Morgan Stanley advisor downloaded client data to his home computer without permission, has been sentenced to three years of probation and ordered to pay $600,000 in restitution.
Retirement plan fees are falling as 401(k) participants increasingly embrace low-cost products. The proposed Department of Labor fiduciary standard could cost the financial industry in excessive of $2.4 billion in lost transaction revenues, which is more than double most estimates, says Morningstar Analyst Stephen Ellis. A small number of stocks including Amazon, General Electric, Alphabet, Microsoft, and Facebook drove market gains in 2015.
Having $30,000 in student debt can cut as much as $325,000 from 401(k) balances by the time an individual reaches retirement. Only 64% of advisors responding to a recent Russell Investments Financial Professionals Outlook survey have a positive outlook for capital markets over the next three years. Online market gurus have been forecasting rapid growth of web surfers connecting to cyberspace with smartphones and tablets and a decrease in the use of desktops and laptops. Smart Beta exchange traded funds captured $3 billion in assets in October and $53.7 billion during the first ten months of this year, according to London-based research firm ETFGI. Despite occasional articles about advisors stealing from clients, only 2% of individual advisors have reported criminal charges such as felony convictions or investment related misdemeanors, according to an analysis of industry data by Big Crunch.


Morgan Stanley advisors who land clients that need cash management services next year can receive bonuses up to $50,000. Susan Elizabeth Walker, 51, of Plymouth, Minnesota, has been sentenced to more than seven years in the slammer after being found guilty of stealing $1.1 million from at least 24 clients. The Securities and Exchange Commission has issued a warning regarding outsourced compliance programs based on deficiencies that it has uncovered during examinations. Providing low-cost tax return preparation to generate financial planning prospects is just one of a variety of successful strategies. During the past year, daily equity market declines and gains exceeding 1% have been common, with investor sentiment quickly changing based on the prevailing outlook for the Federal Reserve’s monetary policy. File and suspend, which allows one member of a couple to receive a spousal benefit from Social Security while both spouses’ benefits continue to accrue, would be terminated under the budget bill that was recently passed by the House of Representatives.
Mounting levels of student debt and declining home ownership among younger people means that many recent college grads will have to work to age 75 before retiring.
The Certified Financial Planner Board of Standards should be raising the requirements to become a certified financial planning.
Periodically adjusting asset allocations based on expected returns of different asset classes can generate better returns than traditional target date funds, according to back testing completed by Grantham, May, van Otterloo. Boston-based startup firm Gradifi has launched the Student Loan Paydown Plan, which allows business to make payments toward their employees’ student debt. Impact investors, or those investors seeking to invest in a socially responsible manner, don’t have to sacrifice returns to stay true to their calling, according to a new Wharton School study. In the next five years, private wealth is estimated to grow from approximately $14 trillion to $22 trillion. Traditional advisors can compete with robo-advisors by being prepared to answer tough questions about fees, understanding what services clients value, expanding their referral networks, and clearly articulating the range of services they provide.
Advisors should ensure that female clients can find financial planning documents, such as life insurance policies in the event that they outlive their husbands.
Advisors need to address frequently overlooked aspects of their digital branding to ensure that their reputation and marketing are assets rather than liabilities. The Department of Labor is moving forward with a rule change intended to help states start retirement plans without running afoul of regulations included in the Employee Retirement Income and Security Act.
Financial services firms are awaiting a list of products that the Department of Labor may restrict from being used in IRAs as part of its fiduciary standard rule.
Investors younger than 40 ramped up stock purchases on August 24 when the market tanked 1,000 points at the open, according to Robinhood, which is a stock trading app that is frequently used by Millennials.
The Social Security Administration says it will provide retroactive spousal benefits to same-sex couples that were married in states that previously didn’t recognize such matrimonial unions, according to attorneys for plaintiffs. Many advisors may cringe when conversations suffer from akward silence, but such moments can lead to more productive conversations. Labor Secretary Thomas Perez says he will continue to push for a fiduciary standard for retirement plan advisors even though Republicans and moderate Democrats are concerned that the rule could harm low-income individuals.
Advisors need to understand the complex emotions that can accompany sudden wealth in order to best serve their clients. While blissful couples pledge to stay married until death, the reality is that approximately 50% of marriages inthe U.S. Collecting Social Security early can help retirees assess how much they can spend because the payments are consistent. The annual household savings rate climbed to 5.5% last year, up nearly a full percentage point from 2013. Advisors can engage their clients and strengthen relationships by using appropriate teaching styles for each investor’s preferred method of learning.
May and June have been tough months for Bill Gross and his Janus Global Unconstrained Bond Fund with investors withdrawing $50 million from the portfolio during the period, according to Morningstar. The Securities and Exchange Commission recently awarded a whistleblower $3 million for information that helped the regulator crack a complex case of fraud.
Advocates of the fiduciary requirement for retirement investment advisors have delivered a petition with 230,000 signatures to the Department of Labor to urge the regulator to support the proposed standard.
Industry trade groups are proposing legislation that would require retirement planning advisors to serve in the best interest of clients rather than comply with the Department of Labor’s proposed fiduciary standard, says Steve Saxon, chairman of Groom Law Group.
With the recent Supreme Court ruling shooting down state bans on same sex couples, financial planners should be ready to take a variety of estate planning actions with gay clients.
In a lawsuit, San Antonio player Tim Duncan is alleging that his former financial advisors, Charles Banks, failed to disclose his own interest in investments that eventually lost $20 million for the superstar. Read our contributors' articles on other websites and blogs, and check out the books they've written. About 10 years ago I had a short-lived, whirlwind romance with a man who was taking a long break from a complicated relationship with another woman. Q: How likely is it that a rebound relationship (one where your lover dumps you and then gets with someone else immediately) will last? What ends up happening is that we end up looking for somebody who can be the recipient of our attachment strings in order to soothe our emotional crisis. The rebound partner is often idealized. In a rebound relationship, it’s common that the new partner is viewed as perfect — the person that we always wished we’d found first, and were so lucky to find this time. Our own role in the previous relationship has not been explored. People often find they deal with similar types of struggles from one relationship to the next. Previous post: I Only Want To Have Sex To Procreate…Is There Something Wrong With Me? Having someone by your side may temporarily alter the way you see yourself, but it is not a permanent solution.
Moreover, you might not have given yourself time to look at how you might have contributed to that relationship's downfall. Perhaps this is something you've struggled with for a long time, but because you are currently in a new relationship, you've managed to shy away from it. The key indicator in having a successful relationship lies in whether the two of you have a similar value and belief system.
In the real world this might translate into; a strong desire to attend family functions together, a fixed determination to work towards a common goal, or a marked desire to communicate. Even without ill intentions, your date could be using you to help soothe the sting of a breakup rather than taking the time to really get to know you and fall for you for the right reasons.
He mentions that you look like her, or that your mannerisms or interests remind him of her. Sure enough, Facebook confirms they’re still in contact — or worse, still “in a relationship.” Picture frames at her place have yet to be emptied of “happier times” memories.
A tell-tale sign of a rebound relationship is one that’s very physical, with little emotional substance. Those include services on its 401(k) platform and additional features for use by financial advisors.


Now, recent data suggests the use of such portable devices has exploded, which underscores the need for advisors to ensure that their websites are well equipped to handle smartphone and tablet traffic. Instead, it is making it easier to obtain the credentials, writes Rick Kahler, who is president of financial planning firm Kahler Financial Group. During that period, furthermore, women are expected to control two-thirds of private wealth.
La Placa and a handful of other team members that collectively manage $3 billion in assets have left the San Francisco office of Deutsche Bank to start their own firm. The news is being celebrated by PC users who are hoping that the operating system will eradicate many of the frustrating issues with Windows 8 that have led to sharp criticism of Microsoft.
Once things got emotionally intimate with me, he bolted back to her and they eventually married. It does sound like you are getting some mixed signals, so it is natural to want some clarification about what is going on with your ex. The widespread popularity of Facebook has increased the amount of information people can access about their romantic partners - past, present, and future. According to YourTango, you should delete your ex-partner from your Facebook friends list. It’s often the case that the longer the previous relationship, the more intense the rebound. To create a visual, imagine for a second that you have a bunch of strings coming out of you — each string representing a type of need based on our attachment type. Even if we weren’t happy in our relationship, there’s an overarching feeling of being grounded in the sense that our attachment needs are being soothed. When this happens, we end up in a rebound relationship, with pre-strenthened attachment strings, with an increased sense of urgency to re-connect, from the reaction of the sudden detachment.
These relationships start out as an emotional response to a removal from emotional security and stability (whether or not the relationship was healthy). This is because we have a role, based on our developmental history, in the formation and dynamic of our relationships. The Ma'at's didn't really know anything about Sickle Cell until their first child was born with the disease. Some people find that the quickest way to stem the tide of emotion is to jump into another relationship. Once you realize that you are a truly terrific person, you'll be able to decide if a new relationship is right for you. By this we mean, any patterns you may have engaged in that hastened the relationships' demise. The point is; dealing with some of the more difficult aspects of our personality might require a space or some time alone. Even if the bitterness seems directly aimed at the ex and not at the ex’s gender in general, there’s still a negative energy there that will only stall a new romance before it takes off. If you throw into the mix the occasional premature death of a spouse, then it becomes clear that a substantial portion of advisors’ married clients are likely to become single.
We broke up two months ago but in the past two weeks he suddenly came into my work place and we spoke. When in a relationship, most or all of these strings are attached to our significant others (like a plug into an outlet). The longer the relationship, the stronger the “strings” become, and the more unconsciously dependent they become on this other “object” (our partner) to maintain this connection.
Therefore, the previous relationship as a whole, and the accompanying emotions from the breakup have not been processed or resolved. This response has a lot to do with our attachment needs seeking a state of stability to resolve the emotional crisis we experience in a breakup. Simply said, if we don’t work to understand how our previous relationships went wrong, and what we can do to learn and grow from the experience, there’s a significant chance we will end up dealing with similar issues, only with a different person. This jump into a brand new relationship, so quick on the heels of an old one, is called a rebound relationship. Making conscious decisions on what is right for you is what having a healthy sense of self is all about. To quote Moulin Rouge, "Everything's going so well!" Until, that is, you ask him to take an art class with you, or ask her to try a new, spicy, exotic dish.If your request is met with disdain, the blinders come off.
From there the two of you can decide if your relationship is developing the way both of you would like it to. If the recent ex is still an active part of your date’s daily life, you’re likely a rebound. A rebound relationship is often an undefined one, with little security or commitment offered from the recently single one. This week we planned on Monday to hang out, but I canceled on him and rescheduled for Wednesday. Suffice it to say, my friend did not want to be involved with someone who brought so much baggage to the table. When we make this connection, our partner essentially soothes our attachment needs by being the recipient of these strings.
So, when the strings are suddenly pulled away from our mate, we suddenly end up with these emotional strings aimlessly flying around in the wind waiting to attach to someone. A rebound relationship is a subconscious way of trying to avoid feeling the hurt, sadness, disappointment, and other emotions from the relationship that didn’t work. In a metaphoric sense, we end up plugging all of our emotional strings deeply into a new partner all at once, in order to emotionally stabilize ourselves.
Although we have transitioned to being only friends, there has always been a flirtatious quality to our interactions. We had a quick dinner; he kept updating me about his friends and what he has been up to, and asking how I have been.
But, what are the consequences of staying Facebook “friends” with a partner after breaking up with said partner?
It can feel similar to breaking a long-term addiction all at once — there’s generally no weaning process in a breakup. Eventually, the idealization (and euphoria) goes away, and this is when rebounds often hit a well. The closer you peer at your partnership, the more you realize the two of you lack similar interests. Eventually, these emotions surface and often cause confusion within the rebound relationship.



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