"Wealth Management" A Turnoff to Many Clients

"Wealth Management" A Turnoff to Many Clients

Wealth management is an industry buzzword, but a lot of affluent folks don’t like the term.

According to a survey of 503 households with at least $500,000 in investable assets conducted last summer by Spectrem Group, 41% of respondents either “strongly disagree” or “disagree” that the term “wealth management” appeals to them. The percentage comfortable with the term increases as wealth level increases, and is more acceptable to senior level executives than to business owners.


As for the type of services offered under the  “wealth management” umbrella, the affluent most want them to include comprehensive financial planning (78%), estate planning (68%) and tax planning (64%). Legacy planning to pass along wealth to the next generation was next (59%), followed by asset management (57%).

The survey also found that independent financial planners (29%), independent investment advisors (15%) and full-service brokers (18%) were by far the ones the affluent turn to first for assistance.

In addition, 59% of respondents prefer to pay a fixed fee, rather than commission, although business owners have a stronger preference (67%) than senior corporate executives (48%) for fees. Additionally, 24% are not aware their financial provider has wealth management programs. Of those who are aware, only 32% of those with less than $1 million in assets, and 51% with more than $1 million in assets, are taking advantage of the wealth management services.

Posted by Jill Fallon on December 7, 2008 at 2:09 PM | Permalink | Comments (0)

Writers Outnumbering Readers

From Jeff Jarvis,

In 2004 reports Pew, 53 million Americans used the Internet 
to publish their thoughts, respond to others, post pictures, share files and otherwise contribute to the explosion of content available online.

In 2006 57 million Americans  read blogs says the Pew Report

50 million Americans buy daily newspapers.

Posted by Jill Fallon on May 5, 2008 at 11:39 PM | Permalink | Comments (0)

988 billion gigabytes

EMC already spends more than $1 billion each year for research and development is setting up an innovation network linking EMC research labs in India, China and Russia to deal with the information explosion.

They foresee a projected 988 billion gigabytes of in 2010 of email, images and other digital documents that need to backed up, managed, indexed, searched, secured and protected.

What's Cooking in EMC's Labs?

If it's hard to get your head around 988 billion (988,000,000,000) gigabytes, you might want to check out How Much Data is That? which, since I last looked at it about 2 years ago when terabyte was the last word has added petabyte, exabyte, zettabyte and yottabyte to describe very large numbers.

Posted by Jill Fallon on May 31, 2007 at 1:15 PM | Permalink

Drowning in Data

In 1990, a typical gigabyte of storage cost about $20,000.  Today it's down to less than $1.

Which is a good thing since the Days of officially drowning in data is almost upon us.

Tech analyst calculates that 161 exabytes were generated in 2006, that's about 161 billion GB, and that amount is expected to rise fast.

What is 161 exabytes?
161 Exabytes of digital data was generated in 2006, says researcher IDC. That's about 168 million terabytes, or roughly the equivalent of:
36 billion digital movies
43 trillion digital songs
1 million digital copies of every book in the Library of Congress
Source: IDC, UC Berkeley, USA TODAY research

Per person
About 213 gigabytes of information was generated for each person in North America in 2006.
Source: IDC, CIA World Factbook, USA TODAY research

How long will it last?
Expected shelf life of storage devices:
Low-end hard drive: 5 years
CD/DVD: 20 years
Source: IDC
--

Print photographs from the 1800s are still viewable today. But floppy disks from the 1980s are very difficult to read.

As digital technology continues to evolve, there's a risk that "your great-grandkids won't be able to see your wedding pictures," Kay says.

To preserve data, businesses and consumers will probably have to periodically copy it from obsolete storage drives onto newer ones, he says.

And backups will become increasingly important. Consumers often store their digital music and photos on a single PC, EMC's Lewis says. But as that data collection grows, "People are going to have to start realizing that they have thousands of dollars tied up in digital information," he says.

Posted by Jill Fallon on March 6, 2007 at 8:01 AM | Permalink | Comments (0)

Scrapbooking industry more than $2.5 billion

Women make general family albums and special albums as gifts on special occasions.  Scrapbooking is the third most popular craft hobby in the nation amounting to $2.55 billion in 2004, up 28% over 2001.

Here's the profile of scrapbookers from a survey conducted by Simple Scrapbooks magazine.

Thirty-nine percent of scrapbookers have been involved in the hobby for five years or more.

Scrapbook enthusiasts are most likely to be females between the ages of 30 and 50. Eighty-two percent have a college education and nearly 50 percent are employed full-time.

Scrapbooking expenditures have increased significantly over the last three years. Now, about 75 percent of scrapbookers spend at least $25 on supplies in a month. On average, scrapbook enthusiasts own scrapbooking supplies valued at approximately $1,853, an 81 percent increase since 2001.

About three-quarters of scrapbookers have a room or space in their home dedicated to the hobby.

Posted by Jill Fallon on August 23, 2006 at 7:55 PM | Permalink | Comments (0) | TrackBack

Wisdom on Search Advertising

Why search advertising is so important in today's Wall St Journal explained in today. Wisdom for the Web

Wyndham Hotels & Resorts, a unit of New York-based Cendant Corp., calculates that it generates $14 in revenue for every $1 it spends on search advertising. Encouraged by such returns, the hotel company has increased its search ad spending by 500% since 2001

---
Search advertising exceeded $5.1 billion in the U.S. last year and represented the largest category of Internet ads, according to the Interactive Advertising Bureau trade group and consulting firm PricewaterhouseCoopers.
--
Search is "a great environment to build your business, there's no question," says Mr. Williams. "But it's an ever-changing environment and it demands appropriate attention."

Posted by Jill Fallon on July 10, 2006 at 2:29 PM | Permalink

Web is No.1 Media

CNet reports on new study by Ball State University where researchers monitored the media use of 350 participants every 15 seconds.

Web media is the dominant at-work media and No. 2 in the home, according to a new report from the Online Publishers Association.

In March, the Pew Internet and American Life Project published a report that found more than 50 million Americans per day in 2005 used the Web as their primary news source. It also noted that news gathering was the third most popular Internet activity.

Posted by Jill Fallon on June 7, 2006 at 2:26 PM | Permalink

Self Help Business

The self-help and actualization movement is now a $8.5 billion-a-year business.

Scientific American calls it the SHAM Scam and asks does it work? Of course, it focuses on the sillier new age stuff like firewalking and crystals, not on the serious attempts of people to make their lives better and to grow into higher, more evolved states of greater consciousness. Apparently since neither are measurable, they don't count to the author.

Posted by Jill Fallon on June 7, 2006 at 2:06 PM | Permalink

The 1% rule

It's usually a small proportion of a community that creates value for all says Jeff Jarvis in the 1% rule

For instance, in June 2005 Wikipedia had a total of 68,682 total contributors. Wikipedia founder Jimmy Wales is reported to have told a library group that month:
* 50% of all Wikipedia edits are done by 0.7% of users
* 1.8% of users have written more than 72% of all articles

If we also add evidence from Bradley Horowitz that roughly 1% of Yahoo’s user population starts a Yahoo Group, we seem to have The 1% Rule: Roughly 1% of your site visitors will create content within a democratized community. (Horowitz also says that some 10% of the total audience “synthesizes” the content, or interacts with it.)

Posted by Jill Fallon on May 15, 2006 at 11:21 PM | Permalink

The Internet and Life Decisions

Internet plays bigger role in life decisions says poll.

Nearly half of U.S. users of the Internet went online for help with major life decisions such as finding a college for their child or looking for a new place to live, according to a survey released on Wednesday.

Some 45 percent of Internet users, or an estimated 60 million Americans, said the Internet helped them make big decisions or face a major moment in their life during the previous two years, the survey found. That was up from 40 percent of Internet users who answered the same survey questions in 2002.

Pew Internet and American Life poll

60 million Americans, say that the internet helped them make big decisions or negotiate their way through major episodes in their lives.

54% in the number of adults who said the internet played a major role as they helped another person cope with a major illness.
And the number of those who said the internet played a major role as they coped themselves with a major illness increased 40%.
50% in the number who said the internet played a major role as they pursued
more training for their careers.
45% in the number who said the internet played a major role as they made
major investment or financial decisions.
43% in the number who said the internet played a major role when they
looked for a new place to live.
42% in the number who said the internet played a major role as they d
ecided about a school or a college for themselves or their children.
23% in the number who said the internet played a major role when they
bought a car.
14% in the number who said the internet played a major role as they
switched jobs.

Posted by Jill Fallon on April 19, 2006 at 1:19 PM | Permalink

Good News About Aging Boomers

An outdated image of aging is the source of the unfounded alarm about aging boomers said Richard Suzman, from the National Institute on Aging.

Andrew Ferguson takes a look at the recent US Census Bureau report called Dramatic Changes in U.S. Aging in its press release.

Older people (those over 65) in the next generation will be healthier. Twenty-five years ago, more than one of four old people suffered from a chronic physical disability. Now the figure is fewer than one of five. The proportion of old people in nursing homes has declined.

Older people are richer than before. In 1959, 35 percent lived in poverty. Now it's 10 percent. Their per capita net worth, even apart from Social Security payments, is rising.

And older people are better educated. By 2030, more than 25 percent of the senior population will have a college degree. Higher levels of education usually signify a healthier population enjoying a higher standard of living.
--

The picture the Census Bureau presents is of an aging generation that will be working (and paying taxes) longer and placing fewer and less costly demands on the health care and pension systems than we expected.

Posted by Jill Fallon on March 14, 2006 at 3:28 PM | Permalink

Legal Outsourcing Boom to India

Outsourcing legal services is a $200 billion business in the US. Forrester Research estimates that LPO - Legal Process Outsourcing will become the key vertical in the KPO sector. KPO is knowledge process outsourcing.

India will receive 60% of around 40,000 legal jobs outsourced by the US by 2010.

Even fresh lawyers there demand anything between $250,000 to $300,000 per annum, compared $6,000 to $15,000 in India.

I can imagine some of the discussions going on right now in partners' meetings. Pink? Who's Daniel Pink? Maybe they need a mind map.

Posted by Jill Fallon on January 27, 2006 at 9:26 AM | Permalink | Comments (1)

The Latest from Pew's Internet and American Life

25 million of us, have used the Internet to sell something says the latest report from the Pew Internet and American Life Project.

In addition, internet traffic data show that visits to classified ad web sites has grown 80% in the past year.
Almost everything imaginable is currently for sale or has been for sale by individuals on various auction or classified ad sites. Tangible items like pink plastic Christmas trees, collectible coins, wedding dresses, automobiles, books, or CDs share web space with a myriad of intangibles including virtual weaponry and characters from online games (sold for real money) and services including everything from finding a French tutor, a personal trainer or someone to clean your aquarium.
Demographically, online sellers have an “early adopter” profile and they are relatively intense users of the internet.

Another report says using search engines is edging out email as the primary internet application. In September, on a typical day, 58 million Americans searched for something online, an increase of 55% over June 2004 when only 38 million a day searched.

And finally, 13 million Americans made donations online after Hurricanes Katrina and Rita and 7 million used the Internet to set up their own hurricane relief efforts.

Posted by Jill Fallon on December 1, 2005 at 2:28 PM | Permalink

Women make 75% of all travel decisions

Women make 75% of all travel decisions (for their families, their businesses and themselves) as well as making up 43% of all business travelers reports Marti Barletta in Ad Age.

Hotels and destinations are beginning to take note. Those that don't are missing out the very people who make the arrangements for vacations, weddings and anniversaries for groups of family and friends.

Posted by Jill Fallon on November 2, 2005 at 3:31 AM | Permalink

Gas Taxes Greater than Profits

This surprised though it shouldn't have. Governments collect more in gas taxes than the largest US oil companies earn in profits.

Since 1977, governments collected more than $1.34 trillion, after adjusting for inflation, in gasoline tax revenues—more than twice the amount of domestic profits earned by major U.S. oil companies during the same period:

From the TaxProf Blog via Instapundit.

Posted by Jill Fallon on October 30, 2005 at 11:20 PM | Permalink

We Swim in an Ocean of Media

More than two-thirds of our waking moments involves some kind of media usage according to a new study by the Center for Media Design at Ball State University.

It's not just the young and tech saavy, multi-tasking while using media ranges across all age groups.

"Quite remarkable," "A Cambrian explosion of media usage" are some of the comments in the USA Today article, We Swim in an Ocean of Media.

Posted by Jill Fallon on September 30, 2005 at 5:11 AM | Permalink

Retail Banking Trends

Number of branches (1994 – 2004) up 6%
Number of banks (1994 – 2004) down 29%
Average retail banking
customer attrition rate: 12% to 15%
Cost to acquire a new customer: 5 to 10 times more than retaining an existing one

From an invitation for a free web seminar hosted by Microsoft and Getronics and featuring the Tower Group.

Posted by Jill Fallon on September 16, 2005 at 3:43 AM | Permalink

Generation IPOD

Call it Generation IPOD - Insecure, Pressured, Overtaxed and Debt-ridden.

Twenty and thirty somethings in England consider emigration to avoid paying for a welfare state that will not benefit them.

Camilla Cavenidish in the London Times on a Generation Hexed.

Posted by Jill Fallon on September 1, 2005 at 2:54 AM | Permalink

Brokers Go Independent

As more and more people look for financial advisors whom they can trust, who will be their clients' advocate, they are turning to independents.     

From Businessweek's blog Well Spent.

Schwab commissioned a report on the topic of brokers turning independent, which it released in July. It found that by 2004, independents had 47.5% market share of high-net-worth households, up from 30% 2001. At the same time, traditional stock brokers lost market share, claiming 30% of high-net-worth customers in 2004 vs. 40% in 2001.

Posted by Jill Fallon on August 25, 2005 at 1:21 PM | Permalink

Values, Not Valuables

I had only my intuition to guide me in my planning for ESOL, the Electronic Organizer for Life and Legacy, the tool for having and leaving good records and good directions, good stories and good memories.

ESOL is designed to organize the Business of Your Life and Legacy easily with ways to memorialize and revise records and directions and create and preserve a Legacy Archives for any person.

Now a landmark study, The Allianz American Legacies Study, indicates that I'm right on the money.  The study was commissioned by the Allianz Life Insurance Company, designed by Ken Dychtwald of AgeWave and conducted by Harris Interactive who surveyed 2627 US adults, half boomers and half their elders, 65 or older.

Here are some of the more interesting highlights.

Non-financial leave-behinds - like ethics, morality, faith and religion - are 10 times more important to both boomers and elders with children than the financial aspects of a legacy transfer.

Passing along "values and life lessons" is overwhelmingly considered (by over 75 percent) the most important element of a legacy for both generations.

• Sixty-eight percent of boomers and 71 percent of those in their parents' generation say they have a high comfort level discussing legacy and inheritance, yet
only 31 percent of elders and 29 percent of boomers have actually had a thorough discussion that includes all four pillars of legacy: values and life lessons, instructions and wishes to be fulfilled, personal possessions of emotional value, and financial assets or real estate.

• Fulfilling last wishes and distributing personal possessions were five times more likely to be the greatest source of family conflict during a legacy transfer than the distribution of finances according to boomers whose parents are not alive.

 

Posted by Jill Fallon on August 15, 2005 at 10:27 PM | Permalink

The eBay Way

In the first half of 2005, Americans sold $10.6 billion of stuff on eBay.

724, 000 Americans make their principal income from buying and selling on Ebay and another 1.5 million supplement their income through eBay.

Connecting buyers and sellers through eBay is up 68% since 2003.

HT. David Weinberger who got it from the Center for Media Research

Posted by Jill Fallon on July 27, 2005 at 2:22 PM | Permalink

Holistic wealth management for boomers.

Via Financial Advisor News,  a report from Tiburon Strategic Advisors., strategic consultants to financial institutions on estate planning and charitable giving through life insurance and trust accounts.    I can only report their highlights because their full report costs a lot of money.

• For the next two decades,
attracting Boomers as clients will be the key to success for financial service companies. 

Their $17 trillion in investable assets will grow to over $30 trillion by 2010, almost doubling in 5 years. 

• The highest growth and highest margin business is the wealth management business. 
The key to winning in the wealth management arena is estate planning.  So say  executives in the financial services industry.

Over half of high net worth investors in one survey would like holistic wealth management services beyond traditional investment advice.

• Less than half of all US consumers have created a will and only one-quarter have created powers of attorney for healthcare.

• Since 1997 the number of personal trusts has more than doubled, reaching almost 4 million today, holding almost $3.3 trillion in assets.  Since 1998 the number of non-bank trust companies has increased five-fold.  I would venture most of them in the twenty-three states that have abolished the rules against perpetual assets, meaning trusts in those states can pass to multiple generations without federal taxation.

• Over $250 billion is donated to charity each year with people, not corporations or foundations, making almost three-quarters of all donations. 

• The life insurance industry is consolidating, though it's still fragmented, with 1100 companies today, about half the number of 2000 in 1994.  The number of life insurance policies has remained flat, about 167 million individual policies in force.

My bet.  Look for a lot more advisors selling  life insurance and trusts TO FUND YOUR LEGACY, the charities you select to carry on the work you want to see done in the next decade.

Posted by Jill Fallon on July 1, 2005 at 3:52 AM | Permalink

Boomers online

You don't have to pay $695 for the emarket report on today's senior market online.  Just read the story

There are 33.2 million people online between the ages of 50 and 64, roughly the same 66% percentage as younger adults.

For many Baby Boomers, the Internet is an essential part of life. As Boomers age, they will force change upon the companies that do business online, just as they have changed other industries at earlier stages of their lives. Financial services, health care and real estate are just a few of the categories that will undergo massive change as Boomers demand online access to information.

"While today's seniors are a cautious bunch online, the next generation of seniors is not," says Ms. Williamson. "They use the Internet at home and at work, and they will carry those usage patterns over into the next phase of their lives."

Even those over 65, the 34% online, the "silver surfers" according the BBC, who never had to use a computer during the working lives are now finding that the Internet is vital.   

Posted by Jill Fallon on June 6, 2005 at 4:57 PM | Permalink

Internet and Social Capital

David Weinberger has a good summary of Lee Rainie's talk  (of  the Pew Internet & American Life Project) at the Freedom to Connect Conference organized by David Isenberg

People who use the Internet "grow their social capital." People (especially women) use email to enhance their social networks. 84% of Internet users belong to online groups — that's 115M people.
Posted by Jill Fallon on April 4, 2005 at 6:40 PM | Permalink

Fascinating New Stats from Tom Peters

Fascinating stats over at Tom Peters today  that he brought back from London

Fastest growing (and underserved) demographic ... single-person households. In cities like Stockholm and London, the soloists now comprise over 60% of all households! 

Factoid, in re New World Order: In England more people are employed by Indian restaurants than in steelmaking, coal mining, and ship building combined!

Males: If we retire at 60, we live to 80. (Invest in those IRAs!) If we retire at 65, we live to 70 ... forget about "financial planning." (This isn't the first time I've seen this troublesome stat.) 

Divorces are coming late, about age 45 to 50, when she realizes she's saddled with the old sod for another 2 decades. M-F differences: When a woman gets married, she puts on weight, picks up her drinking, and is depressed; that's all reversed upon divorce. When a man gets married, his weight stabilizes, his boozing lets up, and he's happy—upon divorce, all that's reversed. (Yeow.)
Posted by Jill Fallon on March 18, 2005 at 8:32 PM | Permalink

Internet the new normal and more

The Pew Internet project, after 4 years of studying how Americans use the web reports on how the web has become the new normal, mirroring the offline world and  a new way of being, allowing Americans to do what they never could do before.

A decade after browsers came into popular use, the Internet has reached into–and, in some cases, reshaped–just about every important realm of modern life. It has changed the way we inform ourselves, amuse ourselves, care for ourselves, educate ourselves, work, shop, bank, pray and stay in touch…..

The Web has become the “new normal” in the American way of life; those who don’t go online constitute an ever-shrinking minority

On a typical day at the end of 2004, some 70 million American adults logged onto the Internet to use email, get news, access government information, check out health and medical information, participate in auctions, book travel reservations, research their genealogy, gamble, seek out romantic partners, and engage in countless other activities.

That represents a 37 percent increase from the 51 million Americans who were online on an average day in 2000.

For the most part, the online world mirrors the offline world. People bring to the Internet the activities, interests, and behaviors that preoccupied them before the Web existed.

Still, the Internet has also enabled new kinds of activities that no one ever dreamed of doing before–
On a typical day,
  • 5 million people post or share some kind of material on the Web through their own Web logs (or “blogs”) or other content-creating applications;
  • at least 4 million share music files on peer-to-peer networks; and
  • 3 million people use the Internet to rate a person, product, or service.
Posted by Jill Fallon on February 25, 2005 at 9:56 PM | Permalink

Wired Seniors

The "Silver Tsunami" hasn't begun and still the percentage of seniors going online has jumped according to the Pew Study on Older Americans and the Internet 

  • 22% of Americans 65 and older use the Internet. That translates to about 8 million Americans age 65 or older who use the Internet.
  • The percent of seniors who go online has jumped by 47% between 2000 and 2004.
  • In a February 2004 survey, 22% of Americans age 65 or older reported having access to the Internet, up from 15% in 2000. That translates to about 8 million Americans age 65 or older who use the Internet. By contrast, 58% of Americans age 50-64, 75% of 30-49 year-olds, and 77% of 18-29 year-olds currently go online.

The "Silver Tsunami" is the term the Pew Internet study  used in 2001 to describe those in their fifties who are vastly attached to the Internet and will carry their habits into their retirement and old age.  Well before the recent tragedy in SouthEast Asia.

Wired seniors use email more often than the average and sharply  increasing their health searches, online shopping and online banking

Posted by Jill Fallon on February 21, 2005 at 9:44 PM | Permalink

Age Wave Coming

If the past 10 years were all about how technology is changing our lives,  I venture that the next 10 years will be how demographics are shaping our future.  There were more Americans over 50 in the year 2000 than there were Americans in total in 1900! 

Ken Dychtwald has been writing about the Age Wave for almost 2 decades now ...

In recent decades, dramatic advances in medicine, public health and lifestyle management have caused predictable and irreversible trends toward declining fertility and increasing longevity. These demographic changes are causing an "age wave" whose mass and force will transform every aspect of our personal, social, financial and political lives.

Here is a chart that shows just how dramatic the change will be   

                                                                                                      Change In Population Growth

Posted by Jill Fallon on February 17, 2005 at 4:36 AM | Permalink

Grandparents raising grandchildren

According to the website, raisingyourgrandchildren.com, more than six million children, approximately 1 in 12, are living in households headed by grandchildren (4.5 million children) or other relatives (1.5 million children).  2.5 million households of grandparents raising grandchildren/

Posted by Jill Fallon on February 17, 2005 at 12:17 AM | Permalink

Online banking surges

Nearly half of all U.S. adult Internet users now manage their bank accounts online, making banking the fastest-growing online activity, according to a survey released on Wednesday.

Forty-four percent of U.S. Internet users bank online, up from 30 percent two years ago, the Pew Internet and American Life Project said.

Fifty-three million people, or 44% of internet users and one-quarter of all adults, now say they use online banking. Those figures amount to an increase of 47% over the number of Americans who were performing online banking in late 2002. Of all the major internet activities tracked by the Project since its inaugural survey in March 2000, online banking has grown the fastest. Internet users with high-speed connections, those with six or more years of experience, and those between 28-39 years old are the most likely to bank online.

The nonprofit group said banking has grown faster than any other online activity since it began measuring Internet use in March 2000.

Posted by Jill Fallon on February 16, 2005 at 4:20 PM | Permalink
Articles and Blogs
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Recent Entries
"Wealth Management" A Turnoff to Many Clients
Writers Outnumbering Readers
988 billion gigabytes
Drowning in Data
Scrapbooking industry more than $2.5 billion
Wisdom on Search Advertising
Web is No.1 Media
Self Help Business
The 1% rule
The Internet and Life Decisions
Good News About Aging Boomers
Legal Outsourcing Boom to India
The Latest from Pew's Internet and American Life
Women make 75% of all travel decisions
Gas Taxes Greater than Profits
We Swim in an Ocean of Media
Retail Banking Trends
Generation IPOD
Brokers Go Independent
Values, Not Valuables
The eBay Way
Holistic wealth management for boomers.
Boomers online
Internet and Social Capital
Fascinating New Stats from Tom Peters
Internet the new normal and more
Wired Seniors
Age Wave Coming
Grandparents raising grandchildren
Online banking surges
Quotes of Note

If you don't like change, you're going to like irrelevance even less. - General Eric Shinseki, Chief of Staff. U. S. Army

I'm not getting older, just more complex. -

The pursuit of legacy is the libidinous quest of the second half of life. - David Wolfe, co-author Ageless Marketing

All value resides in individuals. Value is distributed in individual space, Relationship economics is the framework for wealth creation. Deep support is the new metaproduct. - Shoshanna Zuboff

Free markets of information are driving decision-making in politics and soon will drive consumption decisions and institututional reputations.

Locking down long-term deals now with budding bloggers of promise and rising reputations is a key strategy. - Hugh Hewitt

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