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Thinking of buying your first home? Congratulations! You’re making a very smart decision. Rents right now are unusually high, and in many cases, you could make a mortgage payment on your current house or apartment that would be cheaper than the rent check you scratch out each month (or the one that is automatically debited from your account). No matter what a stockbroker might try to tell you, residential real estate is still a good investment, and it forms the basis for a higher net worth as you age and have to start thinking about retirement.

Although some same-sex couples may not want to admit it, divorce may be on the horizon for them. It’s the unfortunate reality in today’s world. With ambiguous laws and some states still not realizing certain types of civil unions, the division of assets could be much hazier when it comes to same-sex couples separating. If you are getting ready to tie the knot or enter into a partnership, it may be a good time to consider obtaining a prenuptial or postnuptial agreement to protect your assets.

Dealing with employee conflict– whether between coworkers, or between a manager and an employee– can be stressful. Oftentimes conflicts arise as a result of unresolved experiences of the past.

Friday, May 26, 2017

Being Present

In the past, I have written about the magic of the “Fish! Philosophy” and its four principles: Choose your attitude, make their day, be there, and play. I have found myself, and others around me, struggling with one of the these four, namely “Be there,” or as I call it, “Being present.” There is so much going on around us all the time – cellphones, TV screens, laptops – our brains are almost always over-stimulated. Even watching CNN is a chore, playing into our need to be overstimulated by not only a multi-panel discussion, but a quick moving news scrawler at the bottom of the screen, and usually a countdown clock to some main event they’ll be hosting.

Friday, May 12, 2017

Staying Diversified

Before money can be invested, the wise investor must believe in this crucial concept: don’t put all of your eggs in one basket. Asset allocation is the art of balancing risk and reward through the diversification of your investments into appropriate asset classes. It’s one instrument that helps to determine the appropriate blend between fixed and equity assets. It helps to smooth out the peaks and valleys that you find in the more volatile portfolio.

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