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Many financial professionals say to start by deciding if you want to active or passive management. Today's Stocks & Topics: Market Pullback, Oracle, Black Swan Events, VBTLX - Vanguard Total Bond Market Index Fund, VFSUX - Vanguard Short-Term Investment-Grade Fund, NOW – Service Now Inc., HTZ - Hertz Global Holdings Inc., TSN - Tyson Foods Inc., WDC - Western Digital Corp., Portfolio Rebalance, Interest Rates & Gold, BBY - Best Buy Co. Inc., 401k, CARB - Carbonite Inc.