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The Independent Investor: Rise of the Smoothie
By Bill Schmick,
03:20PM / Thursday, March 05, 2015
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The global market for smoothies is projected to hit $9 billion this year. Driven by a new health-consciousness among consumers, today's on-the-go convenience of gulping down your vitamins and minerals is appealing to more and more of us. Expect that trend to continue.

From a niche market in America in the '90s, the industry here at home has grown to over a $4 billion market today, which makes the United States the dominat domicile of all-things smoothie. The sector is forecasted to grow 10 percent a year for the next five years, according to Research and Markets Group, an analytical business group. Food chains, service restaurants, beverage companies and consumers, not to

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The Independent Investor: New Fiduciary Rule Would Benefit All of Us
By Bill Schmick,
03:48PM / Friday, February 27, 2015
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The Department of Labor is trying again. This week, a proposed new rule, backed by the president, would force all financial advisers to adopt a "fiduciary responsibility" toward their clients when overseeing retirement plans. If passed, it could substantially reduce the fees and expenses we pay for that advice.

So exactly what is this fiduciary responsibility that President Obama is championing? The rule would require all advisers to put their client's interests above all other considerations when making investment recommendations on accounts covered under the Employee Retirement Income Security Act. That means the bulk of middle class savings represented by all types

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The Independent Investor: How to Make the Most Out of Social Security
By Bill Schmick,
03:09PM / Thursday, February 19, 2015
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Yes, it's complicated. Social Security benefits have been around since 1935 and, like taxes, have become increasingly complex through time. Most people are losing out because they don't understand the fine print. Starting today, you will, so read on.

For most of us, who haven't saved a great deal during a lifetime, Social Security benefits are about all we can depend on once we retire. In 2013, almost 58 million Americans received these benefits. Retirees and their dependents accounted for 70 percent of benefits paid, 19 percent went to disabled workers and dependents while survivors of deceased workers accounted for 11 percent of the total.  Although benefits have

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The Independent Investor: The Grecian Drama
By Bill Schmick,
03:24PM / Thursday, February 12, 2015
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Greece is once again on center stage as the world looks on, wondering if this time the country's finances will finally implode. It is a play we've seen before and its outcome fairly predictable.

Several weeks ago, I warned readers to expect turmoil in Greece. As expected, the anti-austerity party, Syriza, was elected in a nationwide election at the end of January. The new prime minister, Alexis Tspiras, has promised the voters that the spending cuts, tax increases and other austerity measures leveled on Greece by the "Troika" (the IMF, ECB and the EU) would come to an end.

The austerity measures were agreed to by the previous Greek administration in exchange

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The Independent Investor: Joint Business Is Jumping
By Bill Schmick,
01:16PM / Friday, February 06, 2015
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Today, more than 7 million Americans are no longer limping. Instead, they are trotting around with the assistance of artificial knees, hips or both. Every year another million of us will join the crowd, and that number is expected to grow as America ages.

Arthritis is the main reason for these surgeries, followed by obesity, which adds stress to the knees and hips. Everywhere you turn, Americans are told that they must lose weight. However, in order to do that, a less than virtuous circle has evolved for many of us. We are all striving to eat healthier and eat less while exercising more. As such, wherever you look, aging amateur athletes vie with the young on the ski slopes, the

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