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By understanding your risk tolerance and knowing how it can change over time and under different circumstances, you can be better prepared to face investment volatility.

No one expects a devastating event, and we can never be fully prepared for everything. But building a solid savings, creating a preparedness plan and reading up on available resources can help protect your financial wellbeing. It will also give you  peace of mind, knowing you’ve done your part to prepare for whatever comes your way.

As the pandemic seems to near its end, the physical and mental health challenges of the last two years cannot be forgotten. We must commit to strengthening our youths’ physical and mental health – and only by working together can we move forward toward a healthier America.

“What started as a retirement gig with two cows turned out to be so much more,” said Sal Tirrito.

To sum up: Exercise-wise, I’m making improvements, but food-wise, I’m still proceeding at a rate that, if I keep this up, I won’t be able to climb into my Amigo when I’m 70. This month, I vow to not try to figure out a way to box in Virtual Tahiti and eat a bag of chips at the same time.

Rapidly increasing mortgage interest rates are sure to have an effect on housing prices down the road. These increased mortgage rates combined with increased available homes on the market will eventually begin to have downward pressure on pricing. 

These changes may not seem monumental, but when you’re saving for retirement, any opportunities to invest and potentially reduce taxes, of whatever size, can be valuable. So, review your options to determine how you can help yourself move closer to your retirement goals.

A reminder for all men to have their annual health check-ups.

You might also consider increasing your contributions to your 401(k), IRA or other retirement/investment accounts. You could spend two or three decades in retirement, so it’s important to save as much as possible for those years.

Layers of protection are essential to help prevent drowning. Plan ahead for aquatic activities.