RIA Advisors Chief Investment Strategist Lance Roberts and Danny Ratliff, CFP, remember 9-Eleven on its 18th anniversary; Palindrome Day; Survey: Most People Can't be Trusted? Why does bad news travel faster than good? Florida Boy and the Tennessee Vols T-shirt; Why Zero Percent is bad for economic growth; Why Millennials are missing out on refinancing their mortgages (and why they really shouldn't be owning a home...)The good advice that Dave Ramsey gives (it's not all 100%).