...Addressing portfolio problem spots often involves a tax bill; here's how to avoid paying extra and possibly even save...

...When you ask questions, just sit back and listen. Be interested, don't try to be interesting...

...Each of our paths to stillness will be unique, but the outcome will be the same: quiet, strength, insight, peace, happiness. Most of all, we will be surprised to learn that the stillness we sought is not found outside us but within us. It’s been ours all along...

...Here are some of trouble spots that have the potential to catch retirees off guard...

...We can’t be productive without breaks. But far too many of us can’t seem to get away from our desks, even for just a few minutes...

...Doing anything worthwhile takes forever. Ninety percent of what separates successful people and failed people is time, effort, and stamina...

...Ideally, we’d be omniscient and clearheaded. In reality, we make decisions in imperfect conditions that prevent us from thinking things through...

...Use the best unsalted butter you can find. Mass-produced caramels are often made with butter mixed with other fats, so their taste cannot compare to gourmet or homemade caramels like these, which rely on the flavor that comes from butter...

...Your kids may have very different expectations and ideas about how your lives will merge...

...And that’s the charge for all of us: to defy the forgettable flatness of everyday work and life by creating a few precious moments...

...Inefficient does not mean ineffective, and it is certainly not the same as lazy. You get things done – just not in the most effective way possible. You’re a bit sloppy, and use more energy. But don’t feel bad about it. There is real value in not being the best...

...The conditions you think you want are rarely the ones that help you produce your best work...

...Everyone should start a small Roth IRA as soon as they can, so they will get the five-year waiting period started for every Roth IRA they will ever own...

...Economic independence belongs to those with the willingness to allocate time, money, energy, and cognitive resources to achieve financial goals...

...Starting early shows you how much you own and hints at how much is ahead...

...warm yourself up with these classic hot cocktails that go beyond spiked hot chocolate...

...We are not taught how to learn in school, we are taught how to pass tests. The spacing effect is a far more effective way to learn and retain information that works with our brain instead of against it...

...The harsh truth is that the most important driver in the growth of your assets is how much you save, and saving requires discipline. Without a regular savings program, it doesn’t matter if you make 5 percent, 10 percent, or even 15 percent on your investment funds. The single most important thing you can do to achieve financial security is to begin a regular savings program and to start it as early as possible. The only reliable route to a comfortable retirement is to build up a nest egg slowly and steadily...

...What we found was two-fold: Not only did participants choose differently when it was for themselves rather than for someone else, but the way they chose was different...

...If you can’t let go of the chase and shake off the helplessness and cynicism it eventually generates, then you’re stuck. If you’re not willing to question that, then it is hard to dislodge the thinking that got you stuck...