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I recently had dinner with a private wealth manager who told me about a client of his who got upset with him for placing a trade in a mutual fund instead of an ETF. For those of you that don’t know, mutual funds trade at closing prices while ETFs trade at the time of execution. On that particular day, the market rose from 3pm (when the trade was placed) to 4pm (closing time). As a result, this particular client paid an extra 25 basis points (0.25%) due to the price increase over the last hour of the day.

This might seem like a small cost, especially to someone worth upwards of $10 million who was trading only $20,000, but that client was furious that they didn’t get the absolute best price. This is an example of financial relativity gone wrong. From an absolute perspective, you and I can see the 25 basis points is irrelevant in the long run, but it didn’t feel that way to the client.

I tell this story because I think the key to happiness in life and finances is remembering the absolutes in a relative world. Studies suggest that retro jordans size 12 ebay uk
, but that doesn’t mean you should fall into the same logical trap. Despite the evidence that we are living in one of the greatest times in history, relative minds will always think otherwise. With that being said, I will leave you with a story that illustrates this point as told by Jack Bogle , the founder of Vanguard:

Thank you for reading!

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Thursday, April 12, 7.30pm

Italian Academy 1161 Amsterdam Avenue

Bach The Art of Fugue

Counterpoint had been a constant preoccupation throughout J.S. Bach’s life and The Art of Fugue, one of his last works, was the culmination of this lifetime obsession. It has long been supposed that the composer’s death interrupted its completion, yet recently other possibilities and theories have been suggested.

Richard Boothby presents an illustrated performance with his group Fretwork – whose celebrated recording of this remarkable work is their best-selling album – and discusses some of the music’s most intriguing features.

The evening will conclude with an analysis of the final fugue, and a performance of a possible reconstruction of its missing final bars.

Vsevolod Dvorkin piano

Sergey Antonov cello

Illustrated talk by Stephen Johnson

Thursday, April 19 , 7.30pm

For over two centuries, Weimar endured as a capital for music composition and performance. From J S Bach's works in the 18th Century, to Richard Strauss' operas of the 1920s, the city has inspired and shaped western music from era to era.

In this presentation we explore the effect Weimar has had on some of the great talents that have called it home over the centuries.

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Illustrated talk by Tav Holmes

Thursday, May 17 , 7.30pm

François Couperin

Jean-Marie Leclair

Jean-Philippe Rameau

Georg Philipp Telemann

François Devienne

Out of the dark final years of the reign of Louis XIV came a new style of art characterized by freshness, elegance and sensuality. While Versailles was draped in the heavy fabrics of guilt and failure, penance and penitence, Antoine Watteau was breaking with tradition, creating the new genre of the fête galante. His delicate brushstrokes and mastery of color and nuance are echoed in the music of his contemporary François Couperin. As art historian Tav Holmes guides us through the unique, idealized world of Watteau, Boucher and Fragonard, the Four Nations Ensemble and soprano Sherezade Panthaki will perform works of equally evocative beauty by Couperin, Rameau, Clérambault and Leclair.

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