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“You’re ‘wired’ to overspend during the holidays, expert says — here’s what to do about it” The holidays are a wonderful time to gather with friends and family, eat good food, and be grateful for what we have. Unfortunately, the holidays also can cause financial stress. The average consumer is expected to spend over $1,000 on gifts this year. There are many ways to give gifts and be charitable while also maintaining your budget and long-term savings goals. Take time during the busy holiday season to step back and focus on what is important to you. “You can reduce your risk of dementia. Here's how to get started” Keeping your mind sharp is important! And maybe more important than you might think. Researchers have developed a 'brain score' based on a number of factors that include diet, alcohol consumption, smoking, sleep, exercise, blood pressure, blood sugar, cholesterol, body mass index, 'sense of purpose', stress management, and social connection. Each five point increase in brain score resulted in a 33% lower risk of late-life depression and a 27% lower composite risk of dementia, stroke and depression.
“Index Funds Can Be Used Actively”
Index funds, while typically seen as passive investments, are actively traded, with high volumes indicating that many investors use them to express market views rather than holding them long-term. The rise of index funds may not significantly impact market prices because the behavior of investors—whether informed or uninformed—has a greater influence on price discovery than the sheer volume of assets in these funds.
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