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What are Your Social Media Goals?

Have you been standing at the edge of the social media pool waiting for the water to get just a wee bit warmer? Are you now ready to take the plunge? Well, before you throw off your towel and jump in, take a moment to outline your social media goals.

Goals? Yes, goals. Sure, everyone (including me) keeps telling you to add social media to your marketing efforts, but the nagging comes with a caveat: you need a plan!

Your goals should take several key factors into account, and all of them should align with your overall marketing objectives.

7 Keys to Establishing Your Social Media Goals

  1. Brand perception. What do you want to say about yourself and your services? What makes you special among other advisors in the industry? Your social media brand message goal must be consistent with all your other communication formats so you don’t confuse your customers.
  2. Brand awareness. Social media provides multiple touch points and opportunities for showcasing your brand, so what sites best meet your needs? Consider your clients and prospects and the platforms they use, and how they use them. For many business people today, the two most popular channels are Twitter and LinkedIn, but do a quick analysis of your customer usage. If your goal is to increase awareness, you need to be present on the right sites.
  3. Public Relations. Think only big companies need public relations? Think again. You can use social media for PR; just make sure you have something to say (see Thought Leadership below). Industry news is always more interesting for your followers and local media with a personal, real-world perspective. If you do issue press releases, promote them on your social media sites and provide a “why should someone care” introduction in addition to the link.
  4. Thought Leadership. Social media is one of the best ways to establish your “give” or value-add. What type of thought leadership can you provide? Customers can easily delete your emails, posts, and updates, so you need to offer something worthwhile. If your goal is to establish yourself as an “expert” be sure you are giving, not selling.
  5. Lead Generation. Will you take advantage of the search capabilities on LinkedIn to help drive leads? As a LinkedIn member you have access to an incredible database where you can view your connections’ connections and look for new opportunities. You can also follow your clients and prospects to keep up on their news and identify possible changes or needs that could become business opportunities.
  6. Competitive Intelligence. Do you want to use social media to keep an eye on the competition? If this is one of your goals, check out your competitors’ social media sites to see what they are saying about themselves and their brands. Likewise, investigate their connections. Don’t forget to look at both personal profiles and company pages.
  7. Engagement and Time Management. Here’s the biggie: Just how much time are you willing to devote to social media? You need to set up a realistic goal for yourself. Social media is invaluable, but only if you can make a strong commitment and be consistent with your effort. Consider your resources and the resources of those who might help you, and then map out a plan and calendar.

Once you consider these key factors, you should be able to identify your key goals for social media. Maybe you want to clarify and differentiate your brand while amplifying your public relations. Or, perhaps, your goals center on providing more thought leadership with blogs and social media posts.

Social media is now a must for business; don’t be afraid to make the jump. Do it with forethought and a plan, so you know your goals and can reach for them with ease!

Make Social Media Purposeful

Social media can be a double-edged sword. Spend too much time interacting with your network and you don’t get any other work done! Conversely, dabble occasionally and completely defeat the purpose of the tool.

Is there a happy medium? Yes, but with caveats. Clearly only you can best determine how much time to spend on social media, but beyond the clock aspect you must make sure your endeavors are purposeful and well considered.

In marketing we like to throw around ROI numbers to justify our efforts, and while facts are indeed available and helpful, you can also follow some simple steps to make social media work for you and your business.

  • First, take a moment to define the purpose of your social media use and how it plays into your networking, sales, and marketing strategies. Even if you have been using social media platforms for years, step back and review your goals.
  • Consider which platforms best suit your needs. Facebook, Twitter, LinkedIn, Instagram, Google+, and Pinterest are popular, but which ones best help you connect with your clients and prospects?
  • Make your content platform appropriate. See Social Media Posts are not One-Size-Fits-All for a breakdown on the key differences and what type of content works best on each platform.
  • Vary your frequency by platform. Just as the content and tone differs, so too does the frequency with which you need to post on the various social media sites. For instance, one or two posts per week is fine on LinkedIn, while you may tweet on Twitter four to six times a day and add content to Facebook once a day.
  • Create a weekly content schedule to take some of the guess-work out of what to post and make the process more manageable. Perhaps on Facebook you post or share content about the economy on Monday, financial planning on Tuesday, and so forth throughout the week. Keep in mind, that an important news event might interrupt this schedule, but most weeks you should be able to stay on track.
  • Use online management tools and schedulers to help Avoid the Social Media Vortex!
  • Use analytics to discover the best times and days to post for your network. Scheduling app Buffer also provides tools for tracking your engagement on the leading social media sites. Other apps are also available for site-specific or general analytics.

Don’t overdo or avoid social media! Just find an appropriate balance and use the sites with purpose and planning.

Don’t Lose Your Voice on Social Media

You can’t be an expert in everything, and you certainly can’t do every task imaginable to run your financial planning business. Instead, you align your strengths with key tasks and seek help where needed. You call on an accountant or attorney for tax and compliance issues, an admin for calendar management and clerical duties, and centers of influence for thought leadership and insight.

But who handles your social media? Do you write and post your own updates, or do you have an intern posting them?

Luckily, there isn’t one and only one way to address your social media needs. However, there is a careful balance to be considered if you delegate the work or seek outside help. Social media is an extension of you and your company; you cannot ignore your role in creating the purpose, content and voice of social media communications in your business.

Here’s why: we’ve all read social media posts that just don’t ring true. The content may be well written and interesting, but the posts just don’t sound like the person you know—and that little doubt makes you wonder what else may not be true. You want to avoid that scenario in your own social media communications.

To set yourself up for success, first determine how social media plays into your entire marketing plan. You cannot think of social media as singular and separate entity. It needs to align with your business value proposition and vision, and share the same voice.

Next you need to consider your audience and how the different social media sites work. Each one has a distinct style and followers tend to expect a certain attitude and form of sharing. You can certainly belong to several sites and target your postings accordingly. Your voice shouldn’t change drastically, but you can be more casual and personal on some sites, while others require more professional positioning.

If you opt to delegate the work of creating social media content (or even just a part of it), you must be prepared to share your social media plan and purpose with the people who will be helping you. Spend time outlining your strategy and discussing content and schedules. Consider creating an editorial calendar to outline and track your various postings.

Just as you wouldn’t send an intern to run a meeting with one of your best clients, don’t ask someone who isn’t yet qualified to manage your social media posts. You’re more likely to take an intern or new employee with you to a meeting or event to offer guidance and a learning opportunity. So adopt that same approach with your social media needs. Don’t put someone in a position they aren’t qualified to do; instead, help and train them first.

Make sure your guidance also includes a social media policy so your employees understand what is and isn’t okay when posting to social media on your behalf. Pay special attention to compliance issues and rules regarding monitoring and archiving, too.

Also, if you have an outside company helping you with content, just be sure to personalize the posts with a sentence or two introducing the subject, and note why you think it’s important.

Last, provide oversight and review of content once you do hand off some of the work. Remember, you are probably most in-tune with what your clients and prospects think and want to know via social media. Pay attention to those nuances, trends, and other industry cues—and make sure they are built into you social media conversations, no matter who creates and posts updates.

 

Use Social Media for Networking, Not Selling

How is your social media strategy working for you? Driving lots of sales? No, I’m not surprised. Social media is not about selling; it is about creating relationships. Don’t believe anyone who tells you otherwise!

Social media may seem like the perfect way to pitch your financial planning services, but it is not the place to sell. Instead, social media is the place to develop and make new connections, find centers of influence, and exchange ideas and information.

Social media does not replace traditional face-to-face networking and referrals, it just provides you with another way to reach people. Sure, setting up profiles and remaining active on your chosen sites takes time, but the work is well worth the expanded engagement opportunities.

Just make sure your social media use is strategic and a part of your overall marketing plan. Your content and voice should align with your other marketing efforts and you must participate consistently and with purpose. Likewise, remember your manners and be polite!

Want some specific strategies? Try these methods for improving your connections:

Conduct background research — Before you meet with a prospect spend five minutes reviewing their profile on LinkedIn to learn a bit more about their background and interests. You don’t have to reveal this knowledge, just keep it in mind when addressing their needs and how best to offer solutions.

Follow company activity — Companies are increasingly using social media to communicate with their employees. By following your clients and prospects on Facebook and Twitter you can learn about the company culture, benefit changes, and other nuances. According to the Society for Human Resource Management, “Social networkers can help business leaders, HR and ethics professionals improve workplace culture.”

Access your clients’ rolodex — Check out your current LinkedIn connections for new prospects by seeing and sorting their contact lists. Simply go to a client’s profile page and click on Connections in the lower right-hand corner of the main box. From here you can use key search words, like HR manager or CEO, find good prospects and then ask your contact for a personal introduction. Granted, some people are not as intentional as others with their connection lists, but never under estimate the power of a second-degree connection.

Find Centers of Influence — Search for industry experts, local business groups, and relevant thought leaders on LinkedIn, Facebook and Twitter and follow their sites and posts. Consider joining a few LinkedIn groups, as well, to expand your knowledge base and share your expertise.

Well done, social media can provide meaningful connections and help build relationships. Granted, you will expose your connections to competitors, but remember your clients and prospects will judge you by the company you keep.

 

Top 10 Twitter Taboos

I was perusing my Twitter feed the other day when my eye caught a particularly off-the-cuff status. One entity I follow harshly criticized a rival. I couldn’t help but be put off. Friendly banter between competitors is normal and expected, but malicious conduct is not. A code of etiquette exists on all social media platforms—it mirrors what we would expect to observe in a face to face setting. The behavior I witnessed can result in a loss of followers, but more importantly, it can cost the trust of clients and partners.

As financial advisors, FINRA regulations add another layer of complexity to social media conduct. Here is a list of Top 10 Twitter Taboos for financial advisors:

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1. Tweet Advice Twitter is great for establishing initial connections and maintaining those connections. It’s not the venue to transmit sensitive information such as stock tips.

2. Tweet Blindly Twitter is interactive and published content doesn’t require FINRA pre-approval, but every financial company should have its own social media policy in place. Always consult with your company’s policy before participating in any social media activity.

3. Ignore the dissenters. Twitter used for business is about respectful engagement. Don’t shy away from people who offer different opinions or insights. Use this platform to acknowledge them; you can always request offline time to address an issue.

4. Post when tired or otherwise not yourself Chances are, there’s a more opportune time to post on Twitter than before going to bed. If you’re tired, in an emotional state, or relaxing with a glass of wine after dinner, you may not be in prime Twitter form. There’s no harm in waiting to tweet.

5. Tweet someone’s product Posting about someone’s product or service may be viewed as an endorsement, which can cross the line with FINRA regulations.

6. Use auto-responses. Canned replies feel impersonal and sometimes they don’t accurately apply to the situation. Twitter is an interactive platform, intended for social connection. Bottom line: There’s no replacement for a human being.

7. Tweet whatever comes to mind. Akin to tweeting when tired or in an emotional state, tweeting from the hip can backfire. Carve out time in your schedule for social media so you can really consider your tweets prior to posting. Even though it’s a social forum, you’re still using Twitter to represent yourself as a business professional.

8. Talk to yourself. Twitter encourages dialogue, often with individuals or brands you may not have access to otherwise. Don’t make the conversation one-sided; take time to learn about the people you connect with.

9. Retweet if you like it. Know what and whose information you are retweeting. Retweeting is often seen as an endorsement of content. As the head of a company, if you retweet an article you and your company are essentially blessing everything in that article, even its speculative commentary. Investigate prior to passing it along.

10. Stir the pot. This may seem pretty straightforward but you’d be surprised at how often this gets people into trouble. Retweeting content can proliferate speculative or false information if you don’t have a full understanding of the information you’re sharing. Also, remember that sarcastic undertones are often missed via the written word. A joke can be easily misunderstood.

Here is one thing you can do, whether on Twitter or any other social media network to provide value to your followers and define yourself as an expert in your field: provide unbiased education about various financial concepts.

For instance:

  • What is a 529 or gift tax?
  • What is the cap you can put into your 401k plan this year?
  • Tips on financial budgeting
  • What is the general economic outlook for 2014?

Finally, don’t forget to sprinkle in a bit of appropriate humor and personality so people can easily relate to you. Never lose sight of the reality that people buy from people. Your clients want to know there is a real person behind the tweet or status update.

Remember, if you’re interested in using social media, you’ll need a solid archiving & compliance solution in place. www.smarsh.com/socialmedia

Mind Mapping: New Directions Leading to New Ideas

Photo from https://www.examtime.com/

Photo from https://www.examtime.com/

Even on my best writing days, I may find myself staring at a blank computer screen; developing truly engaging content can be so challenging. I’ve learned that, although an editorial calendar can keep me on track, it’s pretty useless if it doesn’t have any content in it. Creating fresh ideas and content is important.

If I can grab ahold of even a general concept or topic, mind mapping is an ideal tool to develop that kernel into a complete body of work—because it mirrors the architecture of how our brains naturally function. (Though the human brain is still a mystery, research has identified that our brains search for information and process data in branch-like patterns.) The mind map method encourages and captures our organic thought processes in efficient and visual ways, flexing our right and left side of the brain. You can work out a map on good ol’ scratch paper or save some trees and use software instead. Working on a computer provides added benefits such as an endless work area and easy editing capabilities.

I’ve developed a quick how-to guide to get you started brainstorming on your mind map journey:

  • Start in the middle of a blank page, writing or drawing the main idea you’ll explore. I suggest you work with your paper or screen in landscape orientation.
  • Develop subdivisions, subtopics, and facts related around this central concept, connecting them to the center with broad lines.
  • Repeat the same process for the subtopics, branching individual facts off subtopics when appropriate. Connect each of those to the corresponding subtopic, using thin lines.
  • Let your right brain go crazy. Use lots of colors, drawings, and symbols. Be as visual as you can; the more effort you make, the more brain reward you’ll receive.  Mind mapping awakens memory power and information processing, as well as cortical skills of logic, rhythm, lines, color, lists, daydreaming, numbers, imagination, word, and gestalt (meaning: seeing the whole picture).
  • Keep idea labels short. Use a single word if possible—or better yet, just a picture. When you start mind mapping, it’s tempting to write blocks of text, but it will be much more effective if you represent your ideas with a single word or figure.
  • Vary text size, color, and alignment. Draw connective lines in different lengths and widths. Provide as many visual cues as you can to emphasize important points.

Mind Maps: Colorful and Cool, But Useful, Too!

Once you have a mind map in place, it’s important to know how to transform all the sensational ideas you’ve developed into a cohesive piece of writing. The large center hub of your mind map represents the main idea of your article or blog post. Create a double-spaced bulleted list of each sub topic. Under your subtopics, incorporate indented bullets for any additional details and facts you may have included on your original mind map. In just minutes, you’ll have an ordered list of every point you’ll want to cover in your written piece.

The mind map is a replacement of the outlines we’re familiar with when we need to organize thoughts and ideas. Truthfully, we aren’t linear, left-to-right thinkers (though traditionally, we cultivate our ideas in these directions) and mind maps really push us to think in radial ways.

This process probably won’t feel intuitive initially, but push beyond the awkward in search of the reward of previously unconsidered perspectives. There’s no time like the present to try a new methodology. Now that you’re motivated with all this fractal brain talk, get mapping!

You Can’t Break the Internet

 

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I’m sure it’s either happened to you or you’ve seen it play out. You attend a social event and wind up talking to a young adult, perhaps new to the workforce, and most likely clueless about investing. You try to expound the merits of getting started early. You may recommend a book, tell them about your own mentor, or offer them a quick overview of dollar cost averaging (or the miracle of compounding). But, you’re well aware of how this conversation will end: this overwhelmed twenty-something will politely thank you and immediately discard everything you’ve said. Investing often seems daunting to newcomers. There seems to be too much information to get started, so many younger professionals get a late start, and then find they must struggle to catch up to their peers.

Last Sunday, I attended a luncheon hosted by my friend Beth, held in celebration of her husband’s retirement. Beth has a huge family; there were guests of all ages. A scenario unfolded that was similar to the investment situation. Curiously however, the roles were reversed. A twenty-something, Celia, was offering advice on starting social media marketing for a new business venture. She was chatting with Kyle, a middle-aged lawyer who just left a big firm to start his own practice. By the end of their conversation, he seemed to wave her away; I saw confusion and what appeared to be a look of fear on his face. Over dessert, I asked Kyle what he was afraid of when it came to social media. He admitted that while he had a simple website, when it came to any further actions, “I know I’ll do it wrong.”

The Name of the Game

As some of you know, the most popular social media sites—Facebook, Twitter, and LinkedIn—walk you through the steps of getting a page up, running, and published within an afternoon. Have a cup of tea, relax, and let your mouse do the work. Whatever you do, do not dismiss the name of the game. Social media is designed to be social and, you know, fun. Since professionals, businesses, moms, and teenagers—representing users from so many countries possessing a wide range of tech savvy—access these interfaces, the set-up processes are low on frustration and difficulty by design. It’s all very intuitive and getting started usually entails filling out a form, which is the first step toward your business name being populated into the Facebook search user base. We call that “visibility.” The only way to “do it wrong” is to not do it.

On Being “Good at it”

Tech firms in Silicon Valley have embraced this philosophy and quote to reinforce the importance of proactivity: “Done is better than perfect.” This maxim is rumored to be plastered on Facebook’s office walls. Leveraging social media is akin to any game you’ve ever played. You may have liked the game the first time you played even if you weren’t so skilled. The more you do it, whether chess or social media, the easier it gets and the more nuances you perceive and understand. However, just establishing a social media presence isn’t a nuanced process. That is the single most important lesson here. You don’t have to be an expert at the game on Day One. You just have to play.

What If…?

I suspect the fearful ones are afraid they may break the Internet. (“What if I accidentally post a check-in at my boss’s house on every Facebook status?”) Honestly, it’s a little ambitious to believe that any of us are capable of breaking the Internet, because like the cockroach, it can survive just about anything. The Internet will always grow and morph and adapt to new terrain, prevailing more resiliently than ever.

Ultimately, the purpose of the Internet is to answer our questions. (Seriously, how did we survive before Google?) If, in fact, you believe that you’ve broken something, just ask the question. You’ll soon realize you are not alone in whatever life dilemma you face: “Why does my cat attack my feet?” or “Did I break the Internet?” (No, you did not.) And, for a really useful application of Google, you can search relevant questions such as, “How do I un-tag people on a Facebook status?”

What is the moral of this story? Giving in to fear of the unknown is a mistake. The rewards of social media participation are too great to be overlooked. It’s time to get Nike on yourself and “Just Do It.”

As you’re preparing to dive into social media, remember that you need to have a comprehensive archiving solution in place so that you’re able to meet regulatory requirements while getting your social on.

Mixing Politics & Advice: Advisors On The Mid-Term Elections

Throughout this year, there have been discussions about the blurring of financial advisors’ personal and professional lives on social networks. But to us they’ve seemed to be more about harnessing technology (social media archiving) and Compliance review than about establishing boundaries on what advisors could say.

Unlike in most professions, some advisors use their personal political views and affiliations to establish a common ground and attract clients. And, of course, elected leaders influence the economy and markets, and many advisors do their best to predict cause and effect.

With the mid-term elections upon us, we were eager to see how the AdvisorTweets stream this week would reflect advisors’ political thinking. We knew there would be no consensus to report, although if there’s a tilt among the advisors we follow, it’s to the Republican sensibility. But how far would advisors go on this channel?

We think of the content posting on a spectrum—there’s the random comment in the tweet, there’s a link to an article that the advisor is referring his/her followers to and then there’s the tweet promoting an advisor-authored blog post and some follow-up tweeting responding to others about the post.

We’ve seen all of the above this week but not to the extent that we expected. Most advisors followed by AdvisorTweets didn’t comment on the elections or the results they desired.

Here’s a sampling of election-related tweets, from @MikeJMacco @RyanGigous @FinancialNSites @BobRall @BerkAdvisory and @pennytree.

  1. Mike Macco
    MikeJMacco #Wisconsin is a #RedState again. and #Ohio too?! Excellent.

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  1. Ryan Gigous
    RyanGigous Folks do not want an “agenda”. We want government to protect us and enable us to enjoy a free life, not intervene in every part of our lives

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  1. Greg Powell
    FinancialNsites What costume will the Market wear? New Financial Insights eNewsletter from Greg Powell http://ow.ly/31Fha

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  1. David L. Bahnsen
    DavidBahnsen New at Viewpoint: Wednesday Morning Quarterback: The Election to Save the Republic http://ow.ly/19M5MJ

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  1. Bob Rall
    bobrall Will the election affect your investment portfolio? Read my latest blog to find out… http://fb.me/B1IqBI8S

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  1. David Lee Berkowitz

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  1. PennyTree Advisers
    pennytree I have always known that my home state of Massachusetts was different. Read my latest blog: Feeling Blue http://lnkd.in/9QRzNi

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SocialTurns: A Resource For Financial Services Social Media Issues

A social networking site launched today with the promise of serving as a melting pot for financial services professionals to come together on social media issues unique to the industry.

SocialTurns has been created by Socialware, the Austin, Texas-based social middleware platform technology provider. In the first few preview weeks, Socialware and others have recruited financial advisors, insurance, marketing, Compliance and technology professionals as members. As a result, the site is almost 400 members strong on its launch date.

“In a recent Socialware survey on social media usage among financial advisors, it was clear that although there is massive business value in social media for financial professionals, there is also a lack of awareness on how to do it compliantly and effectively–something that leaves the industry as a whole wondering where to turn next,” said Socialware CEO Chad Bockius.

Bockius hopes that creating a centralized location for social media-related discussion and questions will help move the industry forward. I do too, and I’ve committed to take part in the SocialTurns Council, which Bockius established to keep the conversations going on the community site.

The Council includes many names AdvisorTweets followers will recognize:

We think this could be a big deal for employees of financial services firms, slightly less so for financial advisors who are already proficient online networkers and may prefer their ad hoc, more tightly focused communities. Still, one can never have enough places to turn for help on a subject as dynamic and ambiguous as social media policies and practices.

Join today and become acquainted with what may be a significant industry resource.

Are You Getting The Support You Need From Asset Managers?

Even on a normal day when advisors’ tweets are links to personal finance articles and Peter Ustinov quotes, we pay close attention to them as a window to what’s shaping advisors’ thinking. So naturally we were fascinated by advisors’ reactions to the market’s tumble Thursday.

But the particular circumstances of Thursday lead us to a question and an apology.

From 2:15-3:30 p.m. EST, the very time the market was diving, I was sitting in a “Distribution Changes and Challenges” session at the Investment Company Institute General Membership Meeting. Executives from the top distributors Bank of America Merrill Lynch, LPL Financial, Fidelity Investments Institutional, Morgan Stanley Smith Barney and Edward Jones were describing what they need from their asset manager partners.

“The key to wholesaling is being in touch with us, being a partner. Go deep into the relationship,” said Andy Saperstein, managing director and head of wealth management for Morgan Stanley Smith Barney. LPL’s Mark Casady told the audience they need to help advisors, including by making their content more portable as advisors increasingly participate in social networks. (See our Rock The Boat Marketing post for more.)

Was Thursday an occasion when, in fact, an asset manager helped you?

Half of the advisors polled by Investment News Friday said they heard from clients and 60% said they reached out to clients. A few advisors, we know from the AdvisorTweets stream, were contacted by the media for their analyses. Most Twitter-using advisors are avid information-gatherers and were no doubt working the Web and the television Thursday to make sense of what was going on.

Was an asset manager among your go-to resources Thursday? If not, how could the investment managers whose investment products/solutions you use have helped you? What kind of information would you have welcomed, in what format and on what timetable? Participating in evolving conversations, the core of social media, is how people and entities remain relevant. What relevant help could an asset manager have provided? What do you need that you’re not getting?

Please comment below. If you have something to say but don’t want to publish it, please send an email with your thoughts. I assure your confidentiality.

Next, the apology: We made a classic social media gaffe with the @AdvisorTweets account Thursday afternoon–all talking and no listening. During the session we were in broadcast mode, sending several tweets about the distributors’ comments on social media and other topics. It was only until after that we realized what advisors were dealing with and that our tweets were probably just in the way. We apologize for being so out of touch.

Here’s a chronological round-up of some of the market-related tweets from Thursday afternoon.

Thursday, May 6, 2010 starting at 1:52 p.m.CDT

  1. Ross @ Heart Capital
    heartcapital Technology advances supposedly for the past 20 frickin years & this system is an absolute joke – more distrust $$

  1. Rick Johnson
    ourjay There has to be something wrong with the NYSE computer systems. I am seeing intra day quotes from $50 down to $0.10 on highly liquid stocks

  1. Bob Bracey
    bobbracey somebody pass the Pepto-Bismol……

  1. Pasquale J Sacchetta
    PJSacchetta Talk about “irrational” markets…there is no way the “Greece” situation is the justifiable reason for a market meltdown in U.S.

  1. Jeff Rose, CFP®
    jeffrosecfp I just saw the market go from down 140 to down over 1000 to now down 400 in like 15 minutes. I think my heart just skipped a beat….

  1. Nathaniel Gehring
    nathangehring Watching market movement commentary makes me wonder when fin. planning professionals can finally separate from investment advisory world.
  1. Michael B. Rubin
    MichaelBRubin Why you shouldn’t have your emergency fund in the stock market: 2PM 5/6/10 can happen

  1. Jesse Felder
    jessefelder I wonder how the retail mutual fund crowd will respond. Funds have NO cash to meet redemptions.

  1. David Lee Berkowitz
    BerkAdvisory I’m alright…this is not the Eve of the Destruction…going to watch my kid’s baseball game: Who said the U.S. dollar & US was in decline?