Reposition your portfolio. Make sure you have the appropriate mix of stocks and bonds. After last year’s market gains, you may need to add fixed income to help return to the investment mix that fits your long-term financial goals and tolerance for risk. Consider adding short- and intermediate-term fixed income to help reduce your portfolio’s sensitivity to rising interest rates.
Prepare your emotions and expectations for greater volatility. If you know that it’s normal for stocks to drop by 10% annually, you’re likely to be less surprised and less likely to overreact when a pullback occurs.
Take a systematic approach. If you’re concerned that stocks are high, consider investing the same amount every month to build a well-diversified portfolio. While this doesn’t prevent a loss or guarantee a profit, it can help remove concerns about the market’s moves from your decision making.
Pullback offer opportunities. Consider adding stocks when their prices decline, if appropriate for your situation. Buying during dips and corrections has resulted in higher returns in the past, since stocks rose on average over the following six months and year.
Keep in mind that stocks rarely rise smoothly over time, and pullbacks certainly occur along the way. Make sure you’re prepared to stay invested and consider the opportunities pullbacks offer by remembering:
Market declines are normal, frequent and not a reason to sell quality investments.
Market declines can provide an opportunity to buy quality investments at a lower price.
Market declines are out of your-control- so focus on what you can control. This can help you manage your emotional reaction when fears overshadow long-term fundamentals.
Realty World Selzer Realty ranked first in sales (part 2)
By K.C. Meadows – Ukiah Daily Journal
Selzer received the Excellence Award recognizing him as a leader who “exemplifies the ideals, passion, production, leadership and reputation that embodies the Realty World culture.” To receive this award, a person must have the highest level of ethics and integrity, both personally and professionally; be someone who is looked up to in the community, and be a person willing to share knowledge with others in the Realty World organization.
“I’m honored by the award, and just really proud of everyone from our office who was recognized. I feel like our agents are successful because they know their business and treat people right. I guess this proves it,” Selzer said.
Use hand digging tools when digging within 24 inches of the outside edge of any underground lines
Utilities will use colored utility flags, stakes or paint marks to mark underground lines. Leave these in place until you have finished digging.
If you or your contractor accidentally digs into a gas pipeline, do not attempt to stop the flowing gas or extinguish any fire. Immediately notify PG&E if you dent, scrape or hit a pipeline while digging so that they can inspect and repair the line to prevent future damage.
Once you are done with your project, you can carefully backfill and compact the soil.
Weather you’re planting a garden, building a fence or remodeling your home, no project is too small to call 811. Damage from digging is a common cause of pipeline accidents. One easy, free call to 811 Underground Service Alert (USA) at least tow working days before you dig gets your utility lines marked so you can dig safely. This free service will notify underground utility operators in the area of your planned work. PG&E will then locate and mark our underground gas and electric facilities.
The following tips may help boost mental activity and increase your intelligence, all of which can help your business!
Keep Memorizing. There is no shortage of contemporary studies that show a powerful correlation between a strong working memory and overall intelligence. A good memory has also been shown to slow down mental aging. Start small by memorizing your to-do list or daily schedule, then step it up a notch and memorize scripts that can help you during meetings with clients. If you want to take it to another level, try learning a new language and use it to expand business contacts in your community.
Mix it up. Do you have the exact same routine every single day? Falling into rigid patterns promotes mental passivity, the opposite of the kind of stimulation that keeps brains sharp. Try mixing things up a bit. Challenge yourself by participating in new activities. Join a softball league, a reading club, or even a theater group, which are not only fun but also great ways to expand you connections in you community. At the very least, play around with your daily schedule. The point is that too much regimen can dull the senses.
Exercise. In his book Spark: The Revolutionary New Secience of Exercise and the Brain, author John J. Ratey, M.D., says if you want clear thinking, stress reduction, relief from depression, and more confidence in yourself, you only have to do one thing: exercise. All of which is sure to result in a better bottom line for your business, too!
A continuing conundrum for home owners is, “Which home remodeling projects ar worth you money?” The answer can vary from year to year and season to season. U.S. News and World Reports says, “Even if you’re not planning to sell your home anytime soon, it’s an inevitable question when you consider remodeling: How much will this improvement add to the value of my home? Surprisingly, much of the time the answer is not as much value as it costs to actually make the improvement. But some home renovations bring yo more bang for your buck than others.” Their article has a good discussion of home improvement projects and lists the five renovations that give the highest percentage returns and five that give the least.
Get a security system: There are many types of systems with and without monitoring available. Some produce loud alarms that are designed to alert neighbors, others are silent and contact police. With the advent of inexpensive cameras, homeowners can set up video surveillance as well. While it is good to have a system in place and to post what a system is in use, beware of giving away too much information so that criminals don’t know which system they are dealing with. Typically these systems monitor entries, but many also include motion sensors. Using these systems requires some understanding on the part of the homeowners so that false alarms are not triggered. Also note, these systems require power to run, so during power outages unless there is a backup power source they will not be functional and other preventative steps will be required.
Get a safe: Using a home safe to secure valuables, guns and ammunition is an excellent idea. Consider using it to store important paperwork, like deeds, wills, other legal documents, social security card, passports, as well as computer backups and photos. While safes are often quite heavy, ensure that they are bolted down so they might not be easily stolen in their entirety. Safes can also provide critical ”delay-time” enabling police to arrive before the contents are looted.
Don’t leave your keys around: If a burglar sees a car in a garage or driveway and the keys are present, the temptation might be too much. In fact, you might be providing a vehicle to take more items than the burglar was intending to originally take! Keys to additional homes or properties are invitations, as well. Have a place for keys that is not well known or easily seen.
Having an eye for security can be like a game. The winning move is to create a home that provides you with a real feeling of security because you have addressed the issues. It isn’t paranoid to “think like a criminal” and imagine that your home is full of valuables. Take the time to follow these tips, and you can deter, detect and delay crime in your home.