The more people I speak to, the more people I find who don’t fully understand the concept of independent living. Considering how much independent living communities spend on advertising, I’m surprised how little is known about their benefits and programs.

If you think you’re the only one whose mood changes if your presidential candidate wins or loses, think again.

We often refer to bonds as the relatively safer side of portfolios. We use bonds in portfolios for many reasons, including reducing volatility (bonds typically do not have the same volatility as stocks), providing income (bonds typically provide more interest income than the dividends provided by equities), and as a reservoir for cash (it is relatively simple to sell short-term bond funds to satisfy both short-term and unexpected cash needs).