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	<title>Riviera Village Leads Club South Bay California</title>
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	<link>http://www.rivieraleads.com</link>
	<description>Providing an Effective Means to Increase Business</description>
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		<title>Meeting Update &#8211; January 31st, 2012</title>
		<link>http://www.rivieraleads.com/meeting-update-january-31st-2012</link>
		<comments>http://www.rivieraleads.com/meeting-update-january-31st-2012#comments</comments>
		<pubDate>Mon, 30 Jan 2012 22:57:08 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Calendar]]></category>

		<guid isPermaLink="false">http://www.rivieraleads.com/?p=968</guid>
		<description><![CDATA[Riviera Village Leads Club Speaker Schedule
The lunch fees for January of $70 are due. Please pay promptly.  Also, please make sure that you are up to date on your MEMBERSHIP DUES to Leads Club.  Make payments at http://www.leadsclub.com/membership/payment-options/ or call Patty Trejo, Chapter Advisor (800-783-3761).
Speakers schedule for Tuesday, January 31st are Carlene Delight and Dan Monnier. 
Speakers [...]]]></description>
			<content:encoded><![CDATA[<p><strong><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Riviera Village Leads Club Speaker Schedule</span><br />
<span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">The lunch fees for January of $70 are due. Please pay promptly.  Also, please make sure that you are up to date on your MEMBERSHIP DUES to Leads Club.  Make payments at http://www.leadsclub.com/membership/payment-options/ or call Patty Trejo, Chapter Advisor (800-783-3761).</span><br />
<span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">Speakers schedule for Tuesday, January 31st are </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Carlene Delight </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">and </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Dan Monnier. </span><br />
<span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">Speakers schedule for Tuesday, February 7th are </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Jerry Bottomley </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">and </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Bernhard Hoehle. </span><br />
<span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">Speakers schedule for Tuesday, February 14th are </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Dennis Kinnane </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">and </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Ken Nagao.</span><br />
<span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">Speakers schedule for Tuesday, February 21st are </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Rachelle Mand </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">and </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Donna Adams. </span><br />
<span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">PLEASE REMEMBER TO BRING YOUR BIO (75 WORDS MAX) AND GIVE TO ME BEFORE THE BEGINNING OF THE NEXT MEETING. THANKS!</span><br />
<span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">If there is a conflict and you are unable to speak on your scheduled date with less than one week before the next meeting, please do your best to find another member to take your place.</span><br />
<span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">If you anticipate you will be unable to speak on your scheduled date, please let me know by return e-mail. If I am able to reschedule you at the next meeting I will do so.</span></strong></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Meeting Update &#8211; January 24th, 2012</title>
		<link>http://www.rivieraleads.com/meeting-update-january-24th-2011</link>
		<comments>http://www.rivieraleads.com/meeting-update-january-24th-2011#comments</comments>
		<pubDate>Mon, 23 Jan 2012 22:06:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Calendar]]></category>

		<guid isPermaLink="false">http://www.rivieraleads.com/?p=962</guid>
		<description><![CDATA[Riviera Village Leads Club Speaker Schedule
The lunch fees for January of $70 are due. Please pay promptly.  Also, please make sure that you are up to date on your MEMBERSHIP DUES to Leads Club.  Make payments at http://www.leadsclub.com/membership/payment-options/ or call Patty Trejo, Chapter Advisor (800-783-3761).
Speakers schedule for Tuesday, January 24th are Robert Ciaccio and Andre Hemmersbach. 
Speakers [...]]]></description>
			<content:encoded><![CDATA[<div style="background-color: transparent"><strong><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Riviera Village Leads Club Speaker Schedule</span><br />
<span style="font-family: Verdana;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">The lunch fees for January of $70 are due. Please pay promptly.  Also, please make sure that you are up to date on your MEMBERSHIP DUES to Leads Club.  Make payments at http://www.leadsclub.com/membership/payment-options/ or call Patty Trejo, Chapter Advisor (800-783-3761).</span><br />
<span style="font-family: Verdana;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">Speakers schedule for Tuesday, January 24th are </span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Robert Ciaccio </span><span style="font-family: Verdana;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">and </span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Andre Hemmersbach. </span><br />
<span style="font-family: Verdana;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">Speakers schedule for Tuesday, January 31st are </span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Carlene Delight </span><span style="font-family: Verdana;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">and </span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Dan Monnier. </span><br />
<span style="font-family: Verdana;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">Speakers schedule for Tuesday, February 7th are </span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Jerry Bottomley </span><span style="font-family: Verdana;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">and </span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Bernhard Hoehle. </span><br />
<span style="font-family: Verdana;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">Speakers schedule for Tuesday, February 14th are </span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Dennis Kinnane </span><span style="font-family: Verdana;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">and </span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Ken Nagao.</span><br />
<span style="font-family: Verdana;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">Speakers schedule for Tuesday, February 21st are </span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Rachelle Mand </span><span style="font-family: Verdana;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">and </span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Donna Adams. </span><br />
<span style="font-family: Verdana;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">PLEASE REMEMBER TO BRING YOUR BIO (75 WORDS MAX) AND GIVE TO ME BEFORE THE BEGINNING OF THE NEXT MEETING. THANKS!</span><br />
<span style="font-family: Verdana;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">If there is a conflict and you are unable to speak on your scheduled date with less than one week before the next meeting, please do your best to find another member to take your place.</span><br />
<span style="font-family: Verdana;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">If you anticipate you will be unable to speak on your scheduled date, please let me know by return e-mail. If I am able to reschedule you at the next meeting I will do so.</span></strong></div>
]]></content:encoded>
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		</item>
		<item>
		<title>Meeting Update &#8211; January 17th, 2012</title>
		<link>http://www.rivieraleads.com/meeting-update-january-17th-2012</link>
		<comments>http://www.rivieraleads.com/meeting-update-january-17th-2012#comments</comments>
		<pubDate>Mon, 16 Jan 2012 19:36:52 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Calendar]]></category>

		<guid isPermaLink="false">http://www.rivieraleads.com/?p=955</guid>
		<description><![CDATA[Riviera Village Leads Club Speaker Schedule
The lunch fees for January of $70 are due. Please pay promptly.  Also, please make sure that you are up to date on your MEMBERSHIP DUES to Leads Club. Make payments at http://www.leadsclub.com/membership/payment-options/ or call Patty Trejo, Chapter Advisor (800-783-3761).
Speakers schedule for Tuesday, January 17th are Donna Adams and Cindy Notaro.
Speakers schedule [...]]]></description>
			<content:encoded><![CDATA[<p><span style="font-family: 'Times New Roman';line-height: normal;font-size: medium"><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Riviera Village Leads Club Speaker Schedule</span><br />
<span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">The lunch fees for January of $70 are due. Please pay promptly.  Also, please make sure that you are up to date on your MEMBERSHIP DUES to Leads Club. Make payments at http://www.leadsclub.com/membership/payment-options/ or call Patty Trejo, Chapter Advisor (800-783-3761).</span></span></p>
<p><span style="font-family: 'Times New Roman';line-height: normal;font-size: medium"><span style="font-family: Verdana"></span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">Speakers schedule for Tuesday, January 17th are </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Donna Adams </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">and </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Cindy Notaro.</span></span></p>
<p><span style="font-family: 'Times New Roman';line-height: normal;font-size: medium"><span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">Speakers schedule for Tuesday, January 24th are </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Robert Ciaccio </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">and </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Andre Hemmersbach. </span></span></p>
<p><span style="font-family: 'Times New Roman';line-height: normal;font-size: medium"><span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">Speakers schedule for Tuesday, January 31st are </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Carlene Delight </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">and </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Dan Monnier. </span></span></p>
<p><span style="font-family: 'Times New Roman';line-height: normal;font-size: medium"><span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">Speakers schedule for Tuesday, February 7th are </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Jerry Bottomley </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">and </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Bernhard Hoehle.</span></span><span style="background-color: transparent;font-family: Verdana;font-weight: bold;line-height: normal"> </span></p>
<p><span style="font-family: 'Times New Roman';line-height: normal;font-size: medium"><span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">PLEASE REMEMBER TO BRING YOUR BIO (75 WORDS MAX) AND GIVE TO ME BEFORE THE BEGINNING OF THE NEXT MEETING. THANKS!</span><br />
<span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">If there is a conflict and you are unable to speak on your scheduled date with less than one week before the next meeting, please do your best to find another member to take your place.</span></span></p>
<p><span style="font-family: 'Times New Roman';line-height: normal;font-size: medium"><span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">If you anticipate you will be unable to speak on your scheduled date, please let me know by return e-mail. If I am able to reschedule you at the next meeting I will do so.</span></span></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Meeting Update &#8211; January 10th, 2011</title>
		<link>http://www.rivieraleads.com/meeting-update-january-10th-2011</link>
		<comments>http://www.rivieraleads.com/meeting-update-january-10th-2011#comments</comments>
		<pubDate>Mon, 09 Jan 2012 20:09:47 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Calendar]]></category>

		<guid isPermaLink="false">http://www.rivieraleads.com/?p=948</guid>
		<description><![CDATA[The lunch fees for January of $70 are due. Please pay promptly. Also, please make sure that you are up to date on your MEMBERSHIP DUES to Leads Club.  Make payments at http://www.leadsclub.com/membership/payment-options/ or call Patty Trejo, Chapter Advisor (800-783-3761).
Speakers schedule for Tuesday, January 10th are Roy Hughes and Pat Welch.
Speakers schedule for Tuesday, January [...]]]></description>
			<content:encoded><![CDATA[<p><strong><span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">The lunch fees for January of $70 are due. Please pay promptly. Also, please make sure that you are up to date on your MEMBERSHIP DUES to Leads Club.  Make payments at http://www.leadsclub.com/membership/payment-options/ or call Patty Trejo, Chapter Advisor (800-783-3761).</span></strong></p>
<p><strong><span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">Speakers schedule for Tuesday, January 10th are </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Roy Hughes </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">and </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Pat Welch.</span><br />
<span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">Speakers schedule for Tuesday, January 17th are </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Donna Adams </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">and </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Cindy Notaro. </span><br />
<span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">Speakers schedule for Tuesday, January 24th are </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Robert Ciaccio </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">and </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Andre Hemmersbach. </span><br />
<span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">Speakers schedule for Tuesday, January 31st are </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Carlene Delight </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">and </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Dan Monnier. </span><br />
<span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">Speakers schedule for Tuesday, February 7th are </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Jerry Bottomley </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">and </span><span style="font-size: 13px;font-family: Verdana;background-color: transparent;vertical-align: baseline">Bernhard Hoehle.</span></strong></p>
<p><strong> <span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">PLEASE REMEMBER TO BRING YOUR BIO (75 WORDS MAX) AND GIVE TO ME BEFORE THE BEGINNING OF THE NEXT MEETING. THANKS!</span><br />
<span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">If there is a conflict and you are unable to speak on your scheduled date with less than one week before the next meeting, please do your best to find another member to take your place.</span><br />
<span style="font-size: 13px;font-family: Verdana;background-color: transparent;font-weight: normal;vertical-align: baseline">If you anticipate you will be unable to speak on your scheduled date, please let me know by return e-mail. If I am able to reschedule you at the next meeting I will do so.</span></strong></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Meeting Update &#8211; January 3rd, 2012</title>
		<link>http://www.rivieraleads.com/meeting-update-january-3rd-2012</link>
		<comments>http://www.rivieraleads.com/meeting-update-january-3rd-2012#comments</comments>
		<pubDate>Sun, 01 Jan 2012 20:56:55 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Calendar]]></category>

		<guid isPermaLink="false">http://www.rivieraleads.com/?p=942</guid>
		<description><![CDATA[The lunch fees for January of $70 are due. Please pay promptly. Also, please make sure that you are up to date on your MEMBERSHIP DUES to Leads Club.  Make payments at http://www.leadsclub.com/membership/payment-options/ or call Patty Trejo, Chapter Advisor (800-783-3761).
Speakers schedule for Tuesday, January 3rd are Linda Benecke and Andreas Reiter.
Speakers schedule for Tuesday, [...]]]></description>
			<content:encoded><![CDATA[<p>The lunch fees for January of $70 are due. Please pay promptly. Also, please make sure that you are up to date on your MEMBERSHIP DUES to Leads Club.  Make payments at http://www.leadsclub.com/membership/payment-options/ or call Patty Trejo, Chapter Advisor (800-783-3761).</p>
<p>Speakers schedule for Tuesday, January 3rd are Linda Benecke and Andreas Reiter.</p>
<p>Speakers schedule for Tuesday, January 10th are Roy Hughes and Cindy Notaro.</p>
<p>Speakers schedule for Tuesday, January 17th are Donna Adams and Pat Welch.</p>
<p>Speakers schedule for Tuesday, January 24th are Robert Ciaccio and Andre Hemmersbach.</p>
<p>PLEASE REMEMBER TO BRING YOUR BIO (75 WORDS MAX) AND GIVE TO ME BEFORE THE BEGINNING OF THE NEXT MEETING. THANKS!</p>
<p>If there is a conflict and you are unable to speak on your scheduled date with less than one week before the next meeting, please do your best to find another member to take your place.</p>
<p>If you anticipate you will be unable to speak on your scheduled date, please let me know by return e-mail. If I am able to reschedule you at the next meeting I will do so.</p>
]]></content:encoded>
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		</item>
		<item>
		<title>What is your investor behavior penalty?</title>
		<link>http://www.rivieraleads.com/investor-behavior-penalty</link>
		<comments>http://www.rivieraleads.com/investor-behavior-penalty#comments</comments>
		<pubDate>Thu, 22 Dec 2011 02:16:35 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Articles]]></category>

		<guid isPermaLink="false">http://www.rivieraleads.com/?p=908</guid>
		<description><![CDATA[Let me begin with the following: In my opinion, your long term investment success is determined primarily by your behavior. And the biggest determinant of that behavior, is the advice you get, or don&#8217;t get.
A study conducted by Dalbar Inc in March of 2011 revealed the following during the period of 1991 and 2010 (20 [...]]]></description>
			<content:encoded><![CDATA[<div style="background-color: transparent"><strong><span style="font-family: Arial;color: #222222;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">Let me begin with the following:</span><span style="font-family: Arial;color: #222222;background-color: transparent;text-decoration: none;vertical-align: baseline"> In my opinion, your long term investment success is determined primarily by your behavior. And the biggest determinant of that behavior, is the advice you get, or don&#8217;t get.</span></p>
<p><span style="font-family: Arial;color: #222222;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">A study conducted by Dalbar Inc in March of 2011 revealed the following during the period of 1991 and 2010 (20 years, beginning of 1991 and end of 2010):</span></p>
<p><span style="font-size: 11px;font-family: Arial;color: #222222;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">(Davis Funds, The Wisdom of Great Investors. Source: Quantitative Analysis of Investor Behavior by Dalbar, Inc (March 2011) and Lipper. Dalbar computed the “average stock fund investor” returns by using industry cash flow reports from the Investment Company Institute. The “average stock fund return” figures represent the average return for all funds listed in Lipper’s U.S. Diversified Equity fund classification model. Dalbar also measured the behavior of a “systematic equity” and “asset allocation” investor. The annualized return for these investor types was 3.6% and 2.6% respectively over the time frame measured. All Dalbar returns were computed using the S&amp;P 500 Index. Returns assume reinvestment of dividends and capital gains) </span></p>
<p><span style="font-family: Arial;color: #222222;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">Average US stock fund return per year: 9.9%</span></p>
<p><span style="font-family: Arial;color: #222222;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">Average US stock fund investor return per year: 3.8%</span></p>
<p><span style="font-family: Arial;color: #222222;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">&#8220;Investor Behavior Penalty&#8221; </span><span style="font-family: Arial;color: #222222;background-color: transparent;vertical-align: baseline;text-decoration: underline">per year</span><span style="font-family: Arial;color: #222222;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">: 6.1%</span></p>
<p><span style="font-family: Arial;color: #222222;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">In my opinion, the stock market doesn&#8217;t lose money, people lose money, by doing the wrong things at the wrong time.</span></p>
<p><span style="font-family: Arial;color: #222222;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">In my opinion, you will do far better, in real life, with an empathetic, tough-loving behavioral coach than you will on your own.</span></p>
<p></strong><strong> </strong><strong><span style="font-family: Arial;color: #222222;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">I believe, the advice of this coach should be essentially behavioral:</span></strong></div>
<div style="background-color: transparent"><strong><span style="font-family: Arial;color: #222222;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">1. coaching you to continue to do the right things</span><br />
<span style="font-family: Arial;color: #222222;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">2. to avoid the wrong things, especially in the midst of confusion and misinformation</span><br />
<span style="font-family: Arial;color: #222222;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">3. to reach your goals with minimum expenditure of time, energy and stress.</span></p>
<p><span style="font-family: Arial;color: #222222;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">Behave well!</span></p>
<p><span style="font-family: Arial;color: #222222;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">&#8211; </span><br />
<span style="font-family: Arial;color: #222222;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">Warm regards,</span><br />
<span style="font-family: Arial;color: #222222;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">Andreas Reiter</span><br />
<span style="font-family: Arial;color: #222222;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">Financial Representative</span><br />
<span style="font-family: Arial;color: #222222;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">1401 N. Batavia Street, Suite 201</span><br />
<span style="font-family: Arial;color: #222222;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">Orange, CA 92867</span><br />
<span style="font-family: Arial;color: #1155cc;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">424-757-4719</span></p>
<p><span style="font-family: Arial;color: #222222;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">&#8220;Peace of mind and predictability come at a cost, risk and volatility are totally free.&#8221;</span></p>
<p></strong><strong> </strong><strong><span style="font-family: Arial;color: #222222;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">Securities offered through </span><a href="http://parsonexsecurities.com/"><span style="font-family: Arial;color: #1155cc;background-color: transparent;font-weight: normal;vertical-align: baseline">Parsonex Securities</span></a><span style="font-family: Arial;color: #222222;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">, Inc. Member FINRA. 2851 S. Parker Rd, Suite 800 Aurora, CO 80014 </span><span style="font-family: Arial;color: #1155cc;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">303-468-3400</span><span style="font-family: Arial;color: #222222;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">. CA Life License # 0E01192</span></strong></div>
]]></content:encoded>
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		<item>
		<title>Meeting Update &#8211; December 20th, 2011</title>
		<link>http://www.rivieraleads.com/meeting-update-december-20th-2011</link>
		<comments>http://www.rivieraleads.com/meeting-update-december-20th-2011#comments</comments>
		<pubDate>Mon, 19 Dec 2011 19:40:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Calendar]]></category>

		<guid isPermaLink="false">http://www.rivieraleads.com/?p=904</guid>
		<description><![CDATA[
Riviera Village Leads Club Speaker Schedule
The lunch fees for December of $42 are due NOW!. Please pay promptly.  Also, please make sure that you are up to date on your MEMBERSHIP DUES to Leads Club.  Make payments at http://www.leadsclub.com/membership/payment-options/ or call Patty Trejo, Chapter Advisor (800-783-3761).

Speakers schedule for Tuesday, December 20th are Donna Adams and Donna Trimingham. [...]]]></description>
			<content:encoded><![CDATA[<div style="background-color: transparent"><span style="font-size: small"><span></p>
<div style="background-color: transparent"><strong><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Riviera Village Leads Club Speaker Schedule</span><br />
<span style="font-family: Verdana;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">The lunch fees for December of $42 are due NOW!. Please pay promptly.  Also, please make sure that you are up to date on your MEMBERSHIP DUES to Leads Club.  Make payments at http://www.leadsclub.com/membership/payment-options/ or call Patty Trejo, Chapter Advisor (800-783-3761).</span></strong></div>
<div style="background-color: transparent"><span><span style="font-family: 'Times New Roman'"><br />
</span><span style="font-family: Verdana;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">Speakers schedule for Tuesday, December 20th are </span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Donna Adams </span><span style="font-family: Verdana;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">and </span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Donna Trimingham. </span></span></div>
<div style="background-color: transparent"><span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline"> </span><strong><br />
</strong><span style="font-family: Verdana;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">Speakers schedule for Tuesday, January 3rd are </span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Linda Benecke </span><span style="font-family: Verdana;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">and </span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Andreas Reiter. </span></span></div>
<div style="background-color: transparent"><span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline"> </span><strong><br />
</strong><span style="font-family: Verdana;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">PLEASE REMEMBER TO BRING YOUR BIO (75 WORDS MAX) AND GIVE TO ME BEFORE THE BEGINNING OF THE NEXT MEETING. THANKS!</span><strong><br />
</strong><span style="font-family: Verdana;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">If there is a conflict and you are unable to speak on your scheduled date with less than one week before the next meeting, please do your best to find another member to take your place.</span><strong><br />
</strong><span style="font-family: Verdana;background-color: transparent;font-weight: normal;text-decoration: none;vertical-align: baseline">If you anticipate you will be unable to speak on your scheduled date, please let me know by return e-mail. If I am able to reschedule you at the next meeting I will do so.</span></span></div>
<p><span style="font-family: 'Times New Roman'"><br />
</span></span></span></div>
]]></content:encoded>
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		<item>
		<title>Meeting Update &#8211; December 13th, 2011</title>
		<link>http://www.rivieraleads.com/meeting-update-december-13th-2011</link>
		<comments>http://www.rivieraleads.com/meeting-update-december-13th-2011#comments</comments>
		<pubDate>Tue, 13 Dec 2011 01:04:36 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Calendar]]></category>

		<guid isPermaLink="false">http://www.rivieraleads.com/?p=895</guid>
		<description><![CDATA[Riviera Village Leads Club Speaker Schedule
The lunch fees for December of $42 are due NOW!. Please pay promptly.  Also, please make sure that you are up to date on your MEMBERSHIP DUES to Leads Club.  Make payments at http://www.leadsclub.com/membership/payment-options/ or call Patty Trejo, Chapter Advisor (800-783-3761).


Speakers schedule for Tuesday, December 13th are Dennis Kinanne and Rachelle Mand.


Speakers [...]]]></description>
			<content:encoded><![CDATA[<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline">Riviera Village Leads Club Speaker Schedule</span><br />
<span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">The lunch fees for December of $42 are due NOW!. Please pay promptly.  Also, please make sure that you are up to date on your MEMBERSHIP DUES to Leads Club.  Make payments at http://www.leadsclub.com/membership/payment-options/ or call Patty Trejo, Chapter Advisor (800-783-3761).</span></div>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline"><br />
</span></div>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Speakers schedule for Tuesday, December 13th are </span><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline">Dennis Kinanne </span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">and </span><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline">Rachelle Mand.</span></div>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline"><br />
</span></div>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Speakers schedule for Tuesday, December 20th are </span><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline">Donna Adams </span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">and </span><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline">Donna Trimingham.</span></div>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline"><br />
</span></div>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Speakers schedule for Tuesday, January 3rd are </span><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline">Linda Benecke </span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">and </span><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline">Andreas Reiter.</span></div>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline"><br />
</span></div>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">PLEASE REMEMBER TO BRING YOUR BIO (75 WORDS MAX) AND GIVE TO ME BEFORE THE BEGINNING OF THE NEXT MEETING. THANKS!</span><br />
<span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">If there is a conflict and you are unable to speak on your scheduled date with less than one week before the next meeting, please do your best to find another member to take your place.</span><br />
<span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">If you anticipate you will be unable to speak on your scheduled date, please let me know by return e-mail. If I am able to reschedule you at the next meeting I will do so.</span></div>
]]></content:encoded>
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		<item>
		<title>Meeting Update &#8211; December 6th, 2011</title>
		<link>http://www.rivieraleads.com/meeting-update-december-6th-2011</link>
		<comments>http://www.rivieraleads.com/meeting-update-december-6th-2011#comments</comments>
		<pubDate>Mon, 05 Dec 2011 19:32:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Calendar]]></category>

		<guid isPermaLink="false">http://www.rivieraleads.com/?p=887</guid>
		<description><![CDATA[Riviera Village Leads Club Speaker Schedule

The lunch fees for December of $42 are due NOW! Please pay promptly.  Also, please make sure that you are up to date on your MEMBERSHIP DUES to Leads Club.  Make payments at http://www.leadsclub.com/membership/payment-options/ or call Patty Trejo, Chapter Advisor (800-783-3761).

 
Speakers schedule for Tuesday, December 6th are Bernhard Hoehle and Ken [...]]]></description>
			<content:encoded><![CDATA[<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline">Riviera Village Leads Club Speaker Schedule</span><br />
<span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline"></p>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">The lunch fees for December of $42 are due NOW! </span><span style="background-color: transparent">Please pay promptly.  Also, please make sure that you are up to date on your MEMBERSHIP DUES to Leads Club.  Make payments at http://www.leadsclub.com/membership/payment-options/ or call Patty Trejo, Chapter Advisor (800-783-3761).</span></div>
<p></span></div>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline"> </span><br />
<span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Speakers schedule for Tuesday, December 6th are </span><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline">Bernhard Hoehle </span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">and </span><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline">Ken Nagao.</span></div>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline"> </span><br />
<span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Speakers schedule for Tuesday, December 13th are </span><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline">Dennis Kinanne </span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">and </span><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline">Rachelle Mand.</span></div>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline"><br />
</span></div>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Speakers schedule for Tuesday, December 20th are </span><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline">Donna Adams </span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">and </span><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline">Donna Trimingham. </span></div>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline"><br />
</span></div>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Speakers schedule for Tuesday, January 3rd are </span><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline">Linda Benecke </span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">and </span><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline">Andreas Reiter. </span></div>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline"><br />
</span></div>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">PLEASE REMEMBER TO BRING YOUR BIO (75 WORDS MAX) AND GIVE TO ME BEFORE THE BEGINNING OF THE NEXT MEETING. THANKS!</span><br />
<span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">If there is a conflict and you are unable to speak on your scheduled date with less than one week before the next meeting, please do your best to find another member to take your place.</span><br />
<span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">If you anticipate you will be unable to speak on your scheduled date, please let me know by return e-mail. If I am able to reschedule you at the next meeting I will do so.</span></div>
]]></content:encoded>
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		<title>Meeting Update &#8211; November 29th, 2011</title>
		<link>http://www.rivieraleads.com/meeting-update-november-29th-2011</link>
		<comments>http://www.rivieraleads.com/meeting-update-november-29th-2011#comments</comments>
		<pubDate>Mon, 28 Nov 2011 20:13:06 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Calendar]]></category>

		<guid isPermaLink="false">http://www.rivieraleads.com/?p=881</guid>
		<description><![CDATA[Riviera Village Leads Club Speaker Schedule
The lunch fees for November of $70 are due NOW!. Please pay promptly.  Also, please make sure that you are up to date on your MEMBERSHIP DUES to Leads Club. Make payments at http://www.leadsclub.com/membership/payment-options/ or call Patty Trejo, Chapter Advisor (800-783-3761).


Speakers schedule for Tuesday, November 29th are Carlene Delight and Dan Monnier.


Speakers [...]]]></description>
			<content:encoded><![CDATA[<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline">Riviera Village Leads Club Speaker Schedule</span><br />
<span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">The lunch fees for November of $70 are due NOW!. Please pay promptly.  Also, please make sure that you are up to date on your MEMBERSHIP DUES to Leads Club. Make payments at http://www.leadsclub.com/membership/payment-options/ or call Patty Trejo, Chapter Advisor (800-783-3761).</span></div>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline"><br />
</span></div>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Speakers schedule for Tuesday, November 29th are </span><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline">Carlene Delight </span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">and </span><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline">Dan Monnier.</span></div>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline"><br />
</span></div>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Speakers schedule for Tuesday, December 6th are </span><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline">Bernhard Hoehle </span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">and </span><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline">Ken Nagao.</span></div>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline"><br />
</span></div>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Speakers schedule for Tuesday, December 13th are </span><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline">Dennis Kinanne </span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">and </span><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline">Rachelle Mand.</span></div>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline"><br />
</span></div>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">Speakers schedule for Tuesday, December 20th are </span><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline">Donna Adams </span><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">and </span><span style="font-family: Verdana;background-color: transparent;font-weight: bold;text-decoration: none;vertical-align: baseline">Donna Trimingham. </span></div>
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<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">PLEASE REMEMBER TO BRING YOUR BIO (75 WORDS MAX) AND GIVE TO ME BEFORE THE BEGINNING OF THE NEXT MEETING. THANKS!</span></div>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline"><br />
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<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">If there is a conflict and you are unable to speak on your scheduled date with less than one week before the next meeting, please do your best to find another member to take your place.</span></div>
<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline"><br />
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<div style="background-color: transparent"><span style="font-family: Verdana;background-color: transparent;text-decoration: none;vertical-align: baseline">If you anticipate you will be unable to speak on your scheduled date, please let me know by return e-mail. If I am able to reschedule you at the next meeting I will do so.</span></div>
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