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Page 1: ON THE MORNI NG OF APRIL 9, 2015,€¦ · The convenience of an automated process – not to mention their relatively low cost – has drawn many investors to their ranks. What was

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Page 2: ON THE MORNI NG OF APRIL 9, 2015,€¦ · The convenience of an automated process – not to mention their relatively low cost – has drawn many investors to their ranks. What was

ON THE MORNING OF APRIL 9, 2015, STARBUCKS (SBUX) WAS TRADING FOR HALF THE PRICE OF WHERE IT CLOSED THE DAY BEFORE.But the company wasn’t in trouble.In fact, people were enjoying more of its famous coffee than ever before.So what happened?It’s simple, really.The company did a 2-for-1 stock split after the previous day’s Closing Bell.Which means that for every share of Starbucks you owned at the time, you would then have two shares at half the price.Everything else was exactly the same.Now, purists would have you believe that stock splits are non-events. That is, they’re simply an accounting function with no bearing on the performance of shares.But that would be incorrect.Data shows that companies dramatically outperform after their shares split.

TRUE ALPHA ISN’T JUST ABOUT UNCOVERING THE MOST PROFITABLE OPPORTUNITIES IN THE MARKET.It’s also a mindset…

It’s a lifestyle.

It’s about skipping to the front of the line.

It’s about never waking up to an alarm clock or enduring a heavy

morning commute.

It’s about enjoying the best job, the best house, and the best

possessions – with yourself in charge.

In the spirit of perpetuating a True Alpha way of life, I’m

releasing my first ever Lifestyle Journal, where I review the most

compelling fascinations I’ve come across recently.

I hope you find these topics as intriguing and useful as I did…

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Well, looks like I’m out of a job!

Some serious competition in the finance industry has sprung to life.

It’s a fierce, number-crunching, data-analyzing machine. And it claims that it can easily outperform the competition.

I’m talking about the arrival of “robo-advisors.”

Like most financial service providers, robo-advisors help manage your wealth – only they do it online, using a computerized algorithm to determine their investment allocations.

They’re catching on, too.

The convenience of an automated process – not to mention their relatively low cost – has drawn many investors to their ranks.

What was once a niche market – populated by smaller platforms like Wealthfront and Betterment – has quickly expanded to include offerings from big-money firms like Charles Schwab and Vanguard.

As a result, analysts at RBC Capital Markets project that the industry could ultimately hit $500 billion.

“You really can’t go anywhere and not hear someone talking about it,” Riskalyze CEO Aaron Klein remarked at this year’s TechLeaders Conference. “Suddenly [real advisors] believe they have to become robo-advisors to survive.”

It seems that robo-advisors are here to stay. But does their emergence really mean the end of traditional financial service providers?

Behold the New Face of Finance#1

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Not a chance in hell!

For one main reason: Nothing beats a living, breathing human when it comes to your financial future.

Consider, as part of their new Personal Advisor Services program, Vanguard – which has grown to over $4.2 billion in assets since 2013 – offers face-to-face advisory chats, using Apple’s popular FaceTime app.

According to The Cerulli Report, “This feature is a major competitive advantage compared with the online-only model… being able to talk to a human.”

Clients building portfolios in an often risky, uncertain market prefer the human emotions and life-coaching abilities of real-life advisors.

Modern technology – no matter how flashy and convenient – simply can’t offer that kind of personal touch.

The industry is certainly changing. But the future will involve man and machine working in tandem.

Luckily, this means I’m not out of a job just yet!

I recently read about a company doing some innovating within the booming wine industry.

The company is called Tasting Room (www.tastingroom.com).

Tasting Room’s business model has the potential to appeal to our readership, so I decided to give it a try and report my findings.

#2 Innovating the Wine Industry

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At its core, Tasting Room is a wine club that offers great deals on a wide assortment of bottles and blends from around the world.

But the company is distinguishing itself from its competitors by offering customers a chance to build their own “wine profile.”

Here’s what I’ve discovered so far...

For $9.99, Tasting Room is sending me six of its proprietary “mini bottles” of wine to sample. Now, in full disclosure, I had the bottles sent to my dad... he’s the wine connoisseur of my family.

After each bottle is sampled, I’m supposed to rate them on the company’s website. So my “wine profile” will be built upon my specific preferences.

Once my profile is loaded on the website, I’ll begin receiving cases of wine that match my profile, and be billed accordingly.

I can also cancel any time and only incur the $9.99 charge for the six samples.

For those who decide to continue with a full membership, the following options were presented to me...

12 bottles for $149... six bottles for $79.99... or two bottles for $29.99.

You can also select the frequency of your deliveries...

“Once my profile is loaded on the website, I’ll begin receiving cases of wine that match my profile, and be billed accordingly.”

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every month, every two months, or every three months.

I’m always happy to be the de facto “tester” when clever innovations such as this hit the market.

While some people are claiming that the following story is just part of a strategic marketing stunt for an upcoming videogame, I couldn’t help but be intrigued…

If it’s real, 30-year-old Russian computer scientist, Valery Spiridonov, is about to make history.

You see, Spiridonov suffers from Werdnig-Hoffmann. This rare genetic disorder causes your muscles to deteriorate.

Allegedly, he’s volunteered to have his head surgically attached to another person’s body.

I know. I couldn’t believe it myself.

“I’m very interested in technology, and anything progressive that might change people’s lives for the better,” Spiridonov said in an interview with Russia Today.

The procedure has been dubbed HEAVEN - or “head anastomosis venture.”

It will take 36 hours and require upwards of 150 doctors and nurses. Current estimates put the cost at over $12 million.

After the surgery, Spiridonov will spend a month in a coma, while tissues fuse. After that, he’s looking at a year of physical therapy and rehab.

A Real-Life Frankenstein Project?#3

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Renowned neurosurgeon Dr. Sergio Canavero will oversee the process. And he explained the Frankenstein-esque surgery in a TED Talk. He says, “We can make paraplegic patients stand up, move their legs, and take steps. This is huge.”

Of course, many are concerned about the risk involved…

As Business Insider notes, “Even if the operation is successful, the patient will be unable to move or breathe or otherwise communicate — even if he is in pain.”

Dr. Hunt Batjer, President-Elect of the American Association for Neurological Surgeons, says, “I would not wish this on anyone... I would not allow anyone to do it to me as there are a lot of things worse than death.”

Bottom line: If this story is real, we could see history in the making once the surgery is performed. And if it turns out to be a hoax, well… what an effective way to market a product!

The head of the National Security Agency (NSA) and U.S. Cyber Command, Michael Rogers, shared some important insights with a Congressional panel that you should probably know about.

Rogers reported that China and “one or two” other countries have the hacker know-how to shut down the entire U.S. power grid and other critical infrastructure.

He then added that “it’s only a matter of when (not if) we’re going to see something traumatic.”

For the record, I believe the “other two” countries are Russia and North Korea.

So that got me thinking...

How to Survive a Grid Attack#4

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If a massive blackout is an inevitable reality, is there a way to prepare for the ensuing chaos?

Grocery stores only have about four days of supply at any given time, which is a bit scary, if you think about it.

Not to mention the prospect of looting in such a scenario.

As it turns out, I discovered a fantastic product that offers a degree of protection.

It’s called a “Patriot Supply Pack.”

The Patriot Pack comes equipped with a two-week supply of storable food, drinks, and snacks.

It’ll get you 70 servings, and it only costs a hundred bucks.

Or you could just go to Trader Joe’s and build a survival kit yourself, like I did...

Sriracha bacon jerky, coconut cashews, dried mandarins, and truffle Marcona almonds.

Sparkling lime mineral water and cold brew coffee.

Tahini kale chips and granola. Tins of sardines in harissa, smoked herring, and wild Alaskan salmon.

Almond-stuffed olives and marinated artichokes. Chianti artisan salami. Rosemary crisps. Dark chocolate almonds with sea salt.

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It may be the end of the world, but why not enjoy the ride, right?

Oh, I tossed in some hand sanitizer, too.

But what’s a debilitating power outage without a stiff cocktail? Bulleit Bourbon - a fine drink for the price. And an easy trade, if needed.

I walked out with my own infrastructure. Impenetrable!

Nothing says True Alpha lifestyle like flying first class.

Lounging with a cocktail at 35,000 feet, surrounded by a functional mobile office. It barely feels like flying.

Unfortunately, not everyone has the luxury of flying first class all the time. And even if you have the means to do so, last-minute plans and schedule changes can force even the wealthiest alphas to fly economy.

We’ve all been there.

Cramped in our seats… Elbows jammed back against the arm rests we reluctantly share… A laptop bag in the space where our feet should be.

It’s already a nightmare. And then it happens…

The seatback in front of you lurches toward you. Personal space – gone. Along with your kneecaps.

Enter, Knee Defender.

“Knee Defender helps you stop reclining airplane seatbacks so your knees won’t have to,” claims Gadget Duck, purveyor and originator of the Knee Defender. “It

Defending Your Personal No-Fly Zone#5

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helps you defend the space you need.”

At around $20, two clips attach to the arms of your tray table, rendering the seat in front of you incapable of reclining. Genius, right?

As you’d imagine, however, this won’t make the person in front of you very happy. In fact, the device sparked an altercation on a recent United Airlines flight.

“The woman stood up, turned around and threw a cup of water at [the device user]… United decided to [divert, and] land in Chicago,” TheBlaze.com reported.

The FAA states that Knee Defender violates no federal regulations. Even so, HuffPost Travel says most major U.S. airlines have banned the device.

Luckily for the long-legged among us, some airlines “have already removed the reclining mechanisms from their seats.”

Remember the days when we paid for everything in cash – and were left with spare change knocking around in our pockets?

It’s been a while. Heck, around the same time I was still walking to school uphill both ways in the snow.

“Luckily for the long-legged among us, some airlines ‘have already removed the reclining mechanisms from their seats.’”

The Dawn of “Spare Change Investing”#6

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Fast-forward to today, and we can pay for most things with our mobile devices. I just grab my phone, and I’m out the door with my nonfat latte.

But the leftover change? It’s still there. Only it’s not bouncing around in my pocket.

It’s on the phone itself.

I’m talking about a new investing app called Acorns.

With Acorns, a simple sign-up can have you on your way to developing a diversified portfolio – with your spare change.

“The app makes investing effortless,” says Forbes.

You see, Acorns will round your purchases to the nearest dollar, and invest the remainder into a stock portfolio. And the portfolio is personalized to you, based on your age, investment goals, and risk tolerance.

It also allows you to withdraw your money whenever you want.

Could this be any easier?

Before you get your security-skivvies in a bunch, know this: Acorns offers bank-level security. Each account is insured up to $500,000 by Securities Investor Protection Corporation (SIPC).

Better yet, none of Acorns’ personal information is stored on your smartphone.

According to CNBC, it’s “the new millennial investing strategy.” But it’s not just for that kid who delivers your pizza (while he gets his startup going).

“It is very simply a way to nickel and dime your way to wealth!” writes Huffington Post.

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And shouldn’t we all be enjoying a little more bang for our buck? I certainly think so.

SpoonRocket… Washio… Saucey… and Dufl.

They might sound like names of new hip-hop artists. But they’re actually the latest entrants in the “concierge economy” market.

These are apps that’ll do my laundry, ship a package, park my car – even make a pizza.

All from the comfort of my smartphone.

“There’s an Uber for everything now,” writes Geoffrey Fowler in The Wall Street Journal. “These startups like to say they’re just like Uber, the car service that has upended transportation, because they use phones to connect customers with nearby workers on demand.”

And with medical apps like Heal, I can even get a doctor to do a house call!

Founder and Chief Medical Officer of Heal, Dr. Renee Dua, says, “We’re bringing back old-school techniques with new-school technology.”

It’s a hell of a lot better than “self-diagnosing” my symptoms online, while sitting in a waiting room.

There’s also the Luxe app, which valets your car on demand – anywhere in the city. By negotiating deals with nearby lots and garages, it’s costing less than you’d be paying if you were to park the car yourself. And that’s including a tip.

The “Uber Effect” Can Upgrade Your Life#7

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Washio is doing my laundry. Shyp is sending my packages. Saucey has my favorite whiskey coming right to my door, with a lemon twist.

Nothing like having a little luxury in the palm of your hand.

That way, you can spend your time on the things that really matter. And better yet, most of the pricing is on par with doing the errands yourself.

With Push for Pizza on my home screen, I can kick back with my feet up while dinner is en route.

Now if I just had an app to flip through the channels for me.

Like many people, I appreciate a fine cocktail from time to time.

But whipping one up at home is an arduous process.

First, I grab the cocktail shaker, then the bourbon, vermouth, a lemon twist…

Wouldn’t it be nice to leave the work to a personal bartender instead?

I mean, The Jetsons had it right all along, with that robot maid, Rosie.

Well, Rosie is back. Minus the frilly apron. This time, she’s got a sleek design and a mind for mixology.

“Somabar allows you to make craft cocktails without having to use a shaker, bar spoon, measuring cup, or recipe book,” declares Ammar Jangbarwala, co-creator of Somabar, one of the hottest startups at AOL’s TechCrunch Disrupt this year.

Coming Soon… the “Keurig of Cocktails”#8

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With its proprietary smartphone app, Somabar has over 300 cocktails waiting at its fingertips. All I have to do is fill the machine’s chambers with alcohol and mixers, the app reads what ingredients I have, and knows what it can create for me.

Simply press the button, and it gets to work.

Thanks to a successful crowdfunding campaign, the luxe cocktail lifestyle hits shelves in July. Just in time for summer BBQs and pool parties.

The Somabar mission? “We’ve been obsessed with three principles: performance, perfection, and price. As a result, Somabar delivers mouthwatering bitters-infused cocktails in under five seconds – and is priced the same as an affordable smart appliance.

A five-second cocktail? That’s worth its weight in Goldschläger.

Now, I can be obsessed with the first principle of at-home mixology: impressing everyone who walks through my door.

Onward and Upward,

Robert Williams

Founder, True Alpha

Click Here to See Volume II y

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