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Fulfilling a need for Women to go after what they want

By: Todd M. Schoenberger, @TMSchoenberger

Americans love a success story, especially a turnaround tale about a person or group falling on hard times after some remarkable error only to return to greatness.

The widely-used and often criticized website,, has rebranded and renamed itself as ruby.  The company describes itself as ‘the open-minded relationship company that owns boundary-pushing’.  And for those not in the know (or refuse to admit how they do know), Ashley Madison was best known as the place to go for those in committed (i.e., marriage) relationships seeking an affair.

As the company’s famously tagged slogan stated: Life is Short. Have an Affair.


In an ironic twist, just as a discovered affair can lead to a disastrous end to any relationship, Ashley Madison crumbled when the personal information of its members had been released following a data breach hack.  The resulting impact was felt worldwide as countless amounts of marriages immediately failed, thus leading the company to quickly reset its corporate brand and mission statement.

Marriage proponents and religious groups, including the hypocritical stallions preaching the infamous line of “do as I say, not as I do,” were cheering the end of such a destructive force for those working on a death do us part relationship.  In reality, though, the infidelity portal may have been available, but in the end, a proactive human is the one responsible for cheating.  Blaming a website for wrongdoing is the equivalent of blaming McDonald’s for obese kids.

Fortunately for companies like ruby, sex always sells.  And, as a result, it enables a fractured organization like to rebrand itself while providing a purpose to exist.

And now we welcome to the stage, the always intriguing Cougar.

What’s a Cougar, you ask?  Well, according to, it’s when an older woman frequents clubs to score with a much younger man.  Realizing the market potential for matching these so-called Cougars with potential mates (i.e., Cubs), plus in need of an extensive rebrand, ruby has decided to relaunch

Cougar Life strives to be the premiere online dating destination for confident, optimistic women who are looking to spark connections with younger men,” said ruby CEO Rob Segal, per a company statement.  Segal added that Cougar Life has already attracted close to seven million members worldwide.

Whether you believe in the company or possess a high moral compass, one thing we can all agree on is websites like are cash cows.  According to a ruby spokesperson, is free for women, and free for men to sign-up and browse.  But if a man wishes to connect, they must become a paid member.

Memberships to Cougar Life vary for men, depending on the package selected, which start at $36 a month.  Or, for the Cub interested in a discount, annual memberships are available for $15 a month—with a 12-month, ahem, commitment.  You don’t need to be a math genius to calculate how the majority of members are likely to be male-paying participants.


All successful initiatives are usually backed up with statistics, and Cougar Life has provided us with some juicy data.  According to a company statement, North America’s top Cougar dating city on Cougar Life is—no surprise considering how female Manhattanites ooze promiscuity—is New York City, with an average Cougar couple span of seven years.  The average age of NYC-based Cougar Life Cubs (male members) is 29 and the average Cougars’ is 36 years old.

Toronto, Canada boasts the second most Cougars on the site, with an average nine-year span between Cubs and Cougars.  And, Houston, Texas is the third most active Cougar Life dating city.  Rounding out the top 10 are: Los Angeles, Chicago, Dallas, Atlanta, Las Vegas, San Francisco and Phoenix.

“The repositioning of Cougar Life is an important milestone in the overall transformation of ruby in a multi-faceted innovator that truly reflects many kinds of modern relationships and a new openness about sexuality and connection,” says Segal.

Cougar Life’s guerrilla marketing campaign includes a television ad spot, which is set to begin rolling next week.  To preview the ad, simply click here.

Have fun, ladies!

Todd M. Schoenberger is a Director for Jones Falls Financial Publishing.  He is not a member of, but does know a few of its very happy members.

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Quote of the Day! (January Jobs Report)



“The January employment report validates two things: The recent positive sentiment readings are correct as employers continue to add to payrolls, and the Fed is 100 percent certain to further tighten policy at its next meeting in six weeks.  Traditionally, the first quarter has always been the best quarter for hiring, and today’s data tells Wall Street this trend will continue in 2017.  Look for the markets to cheer this news and push the Dow above the 20,000 level again.”
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Quote of the Day! (GDP Version)

“The weaker-than-expected GDP print isn’t terribly surprising considering the political headwinds facing the country at that time.  The knee-jerk reaction from traders may place pressure on stocks in early trading, but at the end of the day the smart money will realize this data is backwards looking and can easily see how current economic sentiment readings are signaling a bullish start for the current quarter and, hopefully, all of 2017.”


Business, CNBC, Party, Politics, Todd Schoenberger, Voting, Wall Street

Modern Wall Street: “VIX Complacency, That’s What’s Alarming…”

01/26/17: Virtu Financial’s Matt Cheslock discusses the Dow breakthrough, global opportunities, and the impact of tonight’s earnings vs. FANG stocks.

Reported by Modern Wall Street’s Olivia Voznenko.  Also distributed by Jones Falls Financial Publishing and Todd M. Schoenberger.

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Commodities Report – January 26, 2017

01/26/17 Crude oil and Brent prices advanced on Thursday. Precious metals are in negative territory with gold holding below $1,200 oz.

Reported by Remy Blaire of Modern Wall Street.  Also distributed via Jones Falls Financial Publishing and Todd M. Schoenberger.

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Dow Jones at 20,000! Here’s why #Dow20K happened

01/25/17 It’s official, the Dow Jones has hitthe 20,000 milestone! After several weeks of teasing the historic figure, all it took was a series of executive orders from President Donald Trump to send the Big Board soaring. Watch and learn even more behind the Dow’s historic surge today!

Reported by James Sweeney of Modern Wall Street.  Distributed by Jones Falls Financial Publishing and Todd M. Schoenberger:

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Media Mention! In USA Today

Dow 20,000 has brought on a tsunami of news stories!  Here’s a media quote from  USA Today.

Click on the URL for the article (and be sure to forward to your friends):


“A remarkable achievement, but it’s even more promising for American capitalism.” Todd Schoenberger, director, Jones Falls Financial Publishing. “Considering where Wall Street has been this century, to achieve such a remarkable milestone proves free markets always persevere and thrive.”