There's almost always a cost for advice, even if it's built into the cost of the products you end up buying, says Dan Keady, director of financial planning at financial-services firm TIAA-CREF.

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Simultaneously, he drew up plans for a second house to be built at the end of the garden, which measured about 20 feet across and 115 feet long.

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Many projects, he claims, have been awarded with no public tender and end up over-budget, late or poorly built.

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Because by the end of February, money managers trading Comex gold futures had already built up as a group their biggest short gold position since 1999.

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Many high-end buyers there built large estates by joining together two or three lots, bumping up home values.

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That echoes a study released in November by the U.S. Government Accountability Office that found that customers end up paying higher prices for goods and services because the cost of interchange fees are built into the retail price.

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In a nutshell, Rose is responsible for relationships with the myriad developers that end up in News Feeds in some way -- regardless of whether the program is built for Facebook, or simply a program that shows interactions on Facebook.

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