Time and again, history provides lessons that taking a short-term approach rarely results in beneficial outcomes. From a financial perspective, the excesses of the early part of this century by some parts of the financial services industry bear testament to this. Banks and other financial institutions largely made their money by selling products rather than by providing services. All their effort was focused on finding new customers to sell their plans to in order to make huge upfront commissions with little or no thought given to providing an ongoing service to their clients. Download PDF
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