| How to Start a New Life with a Negative Past Posted: 29 Dec 2016 04:00 PM PST Leaving old ways behind can be daunting because we become used to living a certain way and change can be scary.[1] When the pain of staying the same overcomes the fear of change, you can put in an effort to start a new life. Your changes won't occur overnight but by taking responsibility for yourself and putting in some effort, you can improve your reputation and your life. EditWorking Toward a Better Future - Set goals for yourself. Think about what it is that you want to achieve that will make your future better than your present and past circumstances. Write down clear, concise goals you can work towards. Make sure your goals are realistic, specific, measurable, time-based and achievable.
- Consider also the things that you DON'T want in your life.
- Start work on one goal at a time.
- Break your goals into small, manageable steps. These will help you accomplish your goals over time.
- Gather a support system. Think of people who will be a good influence on you and help you accomplish your goals. If you're moving to a new place and don't have many friends, consider maintaining contact with some of your old good friends and also making new ones. Reach out to family who have been loving and supportive of you in the past. Nurture your relationship with them; be honest, trustworthy and kind -- this will show them you want to turn over a new leaf.
- Your support system can include figures of authority in your life such as your teachers. Seek their advice and follow through on it, if you believe you can confide in them. Such connections can also help you out in the future when your life is more stable and you need someone to put in a good word for you, such as for a job application or a college reference.
- Avoid negative people. Distance yourself from friends who were negative influences in your life. If such people are not also trying to start over in life, then they might pull you back into habits, behavior or activities that made your past negative.[2] These friends might also mock you and tease you for trying to leave your old ways behind. Ignore them and focus on improving your life.
- Make sure you have people to talk to and to support you through this transition.
- Deal with things one day at a time. Make sure the goals you set take daily living into account. At the beginning of every day, reflect on your schedule for that day and what it is you have to go through, what you need to do to prepare. At the end of the day, reflect on how your day was and what progress you made. It's okay if it wasn't as much as you'd like. What matters is that you keep trying.
- Your negative past probably spanned a long period of time. Whether you're trying to leave your old ways behind or to distance yourself from a negative situation created by others (e.g. an abusive relationship), things probably won't become completely perfect overnight. Negative habits, behaviors, and methods of coping with stressful situations all take time to develop and time to be replaced with positive, alternative ones.[3]
- Take personal responsibility. You have direct control over your thoughts, your emotions, your behavior and your life.[4] Make the decision to follow your goals and improve your life. Actively choose what to do next. Every morning, look in the mirror and say confidently, 'I control my life. My choices today make a better tomorrow.'[5]
- No matter who was responsible for the events of your past, you have to take responsibility for improving your present and future. Remember that you can only control yourself and your actions but that your actions affect others and the future.[6]
- It can be easy to sit back and blame others for the way you are -- don't use that as an excuse to continue living a life you're not satisfied with.
EditAccepting and Dealing with the Past - Seek therapy. A therapist will offer you a confidential, non-judgemental space to work through your thoughts, concerns, and problems and help you better define and work towards your goals.[7] Therapists have the skills and resources needed to help you put your life into perspective and see things from angles that may not have occurred to you or others.
- Therapy is not only for those who face problems with mental health. Anyone who wants to can benefit from speaking to a counsellor or therapist. [8] If you are uncomfortable going to a therapist/counsellor because you're afraid people will make fun of you, discuss your fears with someone you trust, someone you know has been to therapy or research online to understand the process of therapy better.
- Face consequences. Try to separate yourself as much as you can from your old way of life. It can be difficult if you're trying to turn over a new leaf but are going to be living in the same place and attending the same school or staying at the same job. You may have to face consequences of your past behavior before your reputation improves.
- You will have to keep trying your hardest to show that you have changed: let your actions speak for themselves.
- Accept any punishments that are dealt to you by authority figures (e.g. your principal or boss) and try to perform to the best of your ability. This will be a way of showing that you can accept responsibility for your actions.
- Make amends with loved ones. You may have grievances with others that are making your present difficult or miserable. Perhaps you had a big fight with your brother and he doesn't talk to you anymore. Working toward a better relationship may improve your situation and give you peace of mind.[9] Accept if you were to blame for anything that made the situation worse.
- Apologize and indicate that you want to make things better. Tell your loved one that you're sorry for what happened, explain how you think you hurt him and why this was wrong. Then tell him how you can make it better. A simple script to follow is:
- I'm sorry for…
- This is wrong because…
- In the future, I will…
- Will you forgive me?[10]
- Your loved one may not forgive you immediately. Keep trying.
- Forgive yourself. When you take responsibility for your life, you may be feeling guilty about the part you played (or the part you think you played) in making it negative in the first place.[11] Consider discussing this with a trusted friend. Explain how you feel and why you think you're feeling that way.
- Your friend might be able to show you a different perspective. If you don't want to talk about it, try writing your thoughts out, then responding in writing as you would to someone you love. Be honest and forthright.
- Making mistakes does not decrease your worth or make you a bad person.[12] Everybody makes mistakes.
EditPreventing a Return to Your Old Ways - Understand the problem. It may have taken you a long time to reach a point in your life when you decided you needed to start over. Alternatively, you could have been in a negative family situation since you were born and then decided that you needed to make life better. Whatever your case, try to determine the contributing factors to the situation.
- Think about things people said and did, patterns of behavior (your own and others'), tones of voice, and patterns of your own thinking.
- Make a list of negative things you tend to repeat to yourself. Find evidence for and against this thought. Look for facts, rather than opinion. Ask yourself what makes you think this way.
- Take precautions against making mistakes. Put systems in place that will ensure that you don't repeat the negative things that happened in the past. Create plans to follow whenever you notice feelings that trigger behavior that you regret. For example, perhaps you've noticed that when you feel sad, you tend to drink alcohol: form a plan for dealing with your sadness that will keep you from drinking.
- Talk to a friend and ask him to help you with this problem. When you're feeling sad, you can call him and ask them to come over. You can both play a sport or do something different. You could even try to talk about what is making you feel sad to help you deal with the situation.
- Try to come up with more than one plan to follow in these situations in case something prevents you from following your original one.
- Learn from your past. If you understand why things happened the way they did, try to think of solutions that will prevent history from repeating. If other people are the reason that your life was negative, it can be more difficult to change the situation. For example, if you're a teenager and your parents make your home life difficult, maybe you can encourage your parents to seek help for their lifestyle.
- You know your loved one best. It can be difficult to convince others to seek the help they need to better their life. Think of ways that you can help him yourself, consult with others on how best to approach the situation or read psychology articles related to your issue.
- Form new habits and routines. You can't simply stop doing things -- you have to start doing other activities to replace them.[13] For example, if you had a habit of coming home from school and smoking in your room, form a routine that will help you achieve your goals instead. Plan ahead and ask a friend to help you, if you like. Once you come home, wash up, eat lunch then immediately leave for the public library to study.
- New habits may be harder to form than new routines. Start by consciously engaging in behavior that you want to become habit. Take for example, trying to maintain your personal hygiene. Make a conscious effort to brush your teeth before going to bed and after waking up in the morning. Set a daily reminder on your phone to help you or ask a parent to check that you've brushed your teeth. Once this becomes habit, you'll feel uncomfortable if you don't brush your teeth at these times.
- Make better choices. In your day to day life and in the long run, keep your goals in mind when you're making decisions. Think about how your decision will affect your day and your future. Remember the poor choices you've made in the past. Choose that which is better for you.
- Sometimes, you might make a decision that would have worked for you in the past but doesn't any more. Maybe playing video games used to refresh your mind and now it doesn't bring you that same peace of mind. This is okay. You can outgrow anything.[14] Don't force yourself to do something that no longer serves you well.
- Be kind to yourself and be patient with yourself. If you constantly criticize yourself for not accomplishing the things you want to, when you want to, you will have low self-esteem and lower motivation to change your life.[15]
- Consider joining a support group if you don't like the idea of one-on-one therapy.
- Habits take time to break and form because they are etched in the neural pathways of the brain and you engage in them without you consciously making a decision to do it. Don't give up trying to break old habits and form new ones.[16]
- Remember that you can only deal with the here and now to change what will come. You can't change what happened in the past - only the way you think of it.[17] Try to think of lessons you can take with you from the past and avoid making the same mistakes again.
- One of the consequences of your past may be that you run into people whom you no longer want to be friends with. If you can, learn to be polite but distant every time you run into such people. If they try to cause trouble by taunting and provoking you, either ignore them or ask them firmly to stop.
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| How to Make Low Carb Dieting Simple and Easy Posted: 29 Dec 2016 08:00 AM PST If you go by the multitude of books, websites, programs, celebrity endorsements, prepackaged foods, and varying rules about what's "in" and what's "out," starting on a low-carb diet may seem like an impossibly complicated task. By sticking to some basic principles, planning out your menu, and drinking lots of water (yes, really), you too may discover that low-carb dieting can be simple, easy, enjoyable, effective, and delicious. EditKeeping It Simple - Simplify your definition of low-carb dieting. Start with the basics. When present in the body, carbohydrates, converted into simple sugars (known as glucose in your bloodstream), are your main fuel source. Low-carb dieting is based on the premise that, without sufficient carbs available as fuel, your body will burn its fat stores to keep you moving.[1]
- There's no official definition for a low-carb diet, but the range limit is usually somewhere between 50-100g of carbs per day. This range will vary with each person's body weight. Anything below 50g per day would typically cause the individual to go into ketosis. In comparison, typical American dietary guidelines recommend between 225-325 grams of carbs (900-1300 calories) daily.[2]
- Medical opinions vary on the efficacy of low-carb diets as well. They do seem to offer weight-loss benefits, at least in the short term, and may have benefits for diabetics by decreasing blood glucose levels.[3][4] Long-term health impacts are less clear. Consult your physician before beginning a low-carb diet.
- Learn to identify carb amounts in foods. Once on a low-carb diet, you'll likely be able to spot carb-heavy foods with ease before too long. It may be helpful, however, to keep a guide handy, at least early on, that identifies carb amounts in various foods.
- Such a guide can be especially useful when eating out.
- See, for example, this exhaustive chart for carb counts on a wide range of foods. As a point of comparison, each of the following has approximately 15 grams of carbs:
- 1 slice bread; ½ bagel
- 1 banana, orange, or apple; ¾ c. blueberries; 1 ¼ c. strawberries
- ½ c. apple or orange juice
- 1 c. milk (skim, full fat, or in between)
- ½ c. cooked beans, lentils, corn, or peas
- 1 small baked potato
- ½ packet of instant oatmeal
- 15 chips or pretzels; 1 cookie; ½ donut
- ⅓ c. mac & cheese; ½ breaded chicken sandwich
- ½ c. ice cream
- 1 ½ c. cooked or 3 c. raw of most non-starchy vegetables
- meats, fish, eggs, and many flavorings, dressings, and toppings have fewer than 5 carbs per serving
- Simplify what's "in" and what's "out." This is where it can start to get confusing. Different low-carb diet plans will tell you different things about what you should and should not eat.
 - Some plans tell you to eat high-fat proteins (like meats and dairy) and skip almost all grains (especially containing gluten), while others emphasize low-fat proteins and a more moderate amount of whole grains.[5][6]
- Vegetables are a staple of low-carb dieting. All vegetables contain carbohydrates but some contain even more. The ones to focus on consuming are 'non-starchy' vegetables. In addition, some low-carb dieters do not count green non-starchy vegetables into their overall carbohydrate count. This is due to the high fiber count in these vegetables and many believe that this fiber content 'counteracts' any carbohydrates within these vegetables.
- To make your low-carb diet simple, make your criteria simple: more protein and vegetables, less refined starches and sugars, and much less processed food.
- One simple suggestion would be do eat lots of lean proteins and vegetables, prepared simply; add in supplementary helpings of whole grains, legumes, lowfat dairy, and fruits, and skip processed foods.[7]
- Don't buy what you don't need. If guidebooks or diet plans will help your stick to your low-carb diet, then it may be a worthwhile expenditure for you. However, you can begin and sustain a low-carb diet without buying any of those things. Just repeat to yourself, "more protein, more vegetables, less starches and sugars."
- Don't bother with prepackaged low-carb foods if possible. Eating fresh, minimally-processed foods is always preferable.
- Realize that you won't be hungry all the time. This might be your first worry when you think about giving up bread, pasta, potatoes, and other foods you think of as filling (and tasty). Your body can and will adjust and can be just as easily satisfied by a low-carb diet.
- For a low-carb diet, you don't eat less, just differently. Stick to eating 3-4 meals per day with small, healthy snacks as needed.[8] You also experience less hunger due to your blood sugar being better regulated. With less carbohydrates, fewer blood sugar spikes (and falls) occur. This keeps you from getting too hungry or experiencing cravings.
- Make water your friend. You may not believe it at first, but water can be filling and can help make your low-carb transition easier.
- You want to drink at least 8 (8 oz) glasses of water per day, but even more will help.[9]
- Carry a water bottle with you all day. Take regular drinks, before you're thirsty. When you feel a craving coming on (especially for a cookie, donut, etc.), drink water first and see if that calms it.
- Slice fresh lemons and add them to your water pitcher if you need some flavor.
- Stock your pantry right. If you live in a household of carb-eaters, you won't be able to pitch the potatoes and bread, but you can make sure you are well-stocked with staples of low-carb cooking.
- A sampling from one lengthy list of low-carb pantry staples includes:
- canned tuna / salmon / sardines
- canned vegetables / fruit (in light syrup)
- chicken / beef stock
- canned tomatoes / tomato paste
- low-sugar peanut butter
- jarred roasted peppers
- olives, pickles, and capers
- whole grain pasta, rice, and flour
- oatmeal and high-fiber, no-sugar cereal
- sugar substitute
- olive oil
- As you develop your personalized low-carb menu, stock your pantry to suit.
EditPlanning Your Meals - Pack your breakfast with protein. If a good old-fashioned bacon and eggs breakfast sounds good to you (minus any toast, home fries, or pancakes), you're in luck.
- A poached or fried egg, with bacon or sausage on the side if desired, can become your standard daily breakfast.
- For more variety, make omelets with a variety of vegetables (spinach, bell peppers, sun-dried tomatoes, zucchini, etc.), meats, and a little cheese.[10]
- You can even try your hand at low-carb blueberry or zucchini muffins.[11]
- Drink water, plus some coffee or tea (minus sugar, plus sugar substitute if necessary) if you need a caffeine boost.
- Switch out your sandwich for lunch. Take the good stuff sandwiched inside a sandwich, skip the bread, and you're on your way to a low-carb lunch.
- Roll some deli meat up in a lettuce leaf. Add mustard, a bit of cheese, a pickle spear, or other flavor additions. Pair with fresh veggies -- carrots, celery, pepper slices, etc.
- Mix up some chicken or shrimp salad and skip putting it in bread. Just use your fork and add some veggies on the side.[12]
- Low-carb pizza could be dinner one night and lunch the next day.[13]
- Drink -- you guessed it -- water. Will an occasional iced tea or diet soda ruin your diet? No. But get used to making water your standard mealtime (and other times) beverage.
- Have meat-and-no-potatoes dinners. Steak, meatballs, pork chops, grilled chicken or fish (no frying, no breading) -- these will likely become dinnertime staples. Roasted or grilled vegetables and a side salad can become a standard accompaniment.[14]
- Rely on spices and other seasonings -- capers or olives, for instance -- to change the flavor profile of your meals.
- A roasted pork tenderloin,[15] perhaps with roasted asparagus and a salad, will make even a family of carb-lovers happy at dinnertime.
- Let's all say it together -- Drink water!
- Slip in low-carb snacks. Starving yourself between meals will only make it easier for you to "cheat" on high-carb guilty pleasures, so prepare yourself by pre-packaging your own low-carb snacks to see you through the end of the workday (or any other time you need it).
- Something as simple as a handful of almonds or blueberries (both of which are generally seen as all right in moderation in low-carb diets) can provide a quick boost.
- Standard options include cut veggies with low-carb dressing; mozzarella cheese strings; or unsweetened yogurt, to name a few. Fruit intake will need to be a bit more limited, but having an apple, orange, raisins or grapes, dried apricots, or an unsweetened applesauce / peach / mixed fruit cup is far better than a bag of chips or a snack cake.[16]
- Have we mentioned drinking water?
EditKnowing Risks and Rewards - Look for benefits beyond just weight loss. There is some debate whether it is the "low-carb" or "diet" portion that deserves more credit, but evidence exists that people on low-carb diets may prevent or improve health problems like metabolic syndrome, diabetes, high blood pressure, and cardiovascular disease.[17]
- Low-carb diets do seem to have an advantage in comparison to moderate-carb diets in regards to reducing HDL ("bad") cholesterol and triglyceride levels.
- Know the risks of insufficient carb intake. Our body needs carbohydrates to produce the energy it needs to operate. Properly-followed low-carb diets should not cause major medical issues, but severely restricting carbohydrate intake does carry risks.[18]
- If you go to the extreme and consume less than 50 grams of carbs a day, you risk developing ketosis. This occurs when ketones build up in your body as a result of excessive break-down of stored fat for energy, and can cause nausea, fatigue, headaches, and bad breath.
- During the first week or two of a low-carb diet, you may experience symptoms akin to ketosis -- nausea, headache, bad breath, etc. -- as your body adjusts to the significant reduction in carbs. This should pass, however, and you should move on to feeling perhaps better than ever.
- Some medical professionals believe low-carb diets may increase long-term risks of cardiovascular disease and cancers because of the significant amounts of animal fats and proteins consumed, but the long-term risks of low-carb dieting, like the rewards, are more speculative than definitive.
- Don't miss out on nutrients. Especially if you are on a low-carb diet for an extended period of time, there is a risk of vitamin and mineral deficiencies that can cause a host of problems including bone loss, gastrointestinal disorders, and increased risk for various chronic conditions[19]
- Fruits may be full of sugars, but they are also full of vitamins and minerals. Don't completely exclude them from your low-carb diet. Make them a supporting player, not the star of the show that is your daily menu.
- You may want to consider taking a multivitamin, or other supplements, but it is best to discuss this with a medical professional first.
- Involve a medical professional. Talk to your doctor or other healthcare professional about your desire to begin a low-carb diet. Discuss your medical history and relative risks and benefits of the diet for you.
- If you have a heart condition, reduced kidney function, or diabetes, among other conditions, it is especially important that you talk to your physician. You may well still be advised to begin the low-carb diet and it may benefit you greatly, but your doctor may also have specific advice and guidelines for you.[20]
- Cheese is okay too, in moderation. It adds wonderful flavor.
- Remember: fast food fries are loaded with trans fats as well as carbs, and thus definitely something to avoid.
- Become a salad lover. Steak and salad is an excellent low-carb meal. Buy pre-chopped salad fixings to save time as an occasional time-saver.
- Nuts and beans are borderline. They are around 60% starch. Sesame seeds are nice on salads. For snacks, first drink water and see if the urge goes away. If not, take only about 10-15 nuts at a time, don't carry the whole can or bag off with you.
- Fast food joints are a reality of our zip-go lives. Just order the standard burger, not the monster burger combo meal. The standard hamburgers can easily be eaten low-carb if you just munch the meat in the middle. Use the bun as a 'holder' and wedge the meat part into your mouth. Then rotate and do it from the other side, and so on until the meat is eaten, leaving the empty bun. With a little practice this can be done in a dignified way so even your mother wouldn't notice (though your 5-year old probably will).
- Fruits contain sugars too, though small berry-type fruits are the lowest in carb and are okay every now and then, e.g. to flavor yogurt. Strawberries, blueberries, and blackberries are okay, while cherries have higher sugar content. You can buy frozen any time of year. The occasional apple or orange is okay as well.
- Get as many temptations out of your house as you can. If you're living with carb eaters, this may not be possible so keep that water pitcher nearby. It can keep a lot of demons at bay.
- Know that there are risks for a low carbohydrate diet. Remember, consult your medical professional first.
- If you have doubts about your health, see your doctor and get testing done before and a few months after. Many doctors are supportive of low carb dieting now and realize that, when followed correctly, it is a healthy way to eat. Gauge how you are feeling. Generally you will go through an adjustment period in the first week, but it does pass.
EditThings You'll Need - Water pitcher
- A good leak-proof sports water bottle you can carry with you everywhere
- A determined attitude
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| How to Create an Investment Plan Posted: 29 Dec 2016 12:00 AM PST Creating a viable investment plan requires a little more than simply establishing a savings account and buying a few random shares of stocks. In order to structure a plan that is right, it's important to understand where you're at and what you want to accomplish with the investments. Then, you'll define how to reach those goals and select the best investment options to reach them. The good news is that it is never too late to create and implement a personal investment plan and begin creating a nest egg for the future. EditAssessing Where You're At - Select an age-appropriate investment option. Your age will have a significant impact on your investment strategy.[1]
- Generally speaking, the younger you are, the more risk you can take. That's because you have more time to recover from a market downturn or loss of value in a particular investment. So, if you're in your 20's, you can allocate more of your portfolio to more aggressive investments (like growth-oriented and small-cap companies for example).
- If you're nearing retirement, allocate more of your portfolio to less aggressive investments, like fixed-income, and large-cap value companies.
- Understand your current financial situation. Be aware of how much disposable income you have available to invest. Take a look at your budget and determine how much money is left over for investments following your monthly expenses and after you have set aside an emergency fund equivalent to three to 6 months' worth of expenses.
- Develop your risk profile. Your risk profile determines how much risk you're willing to take.[2] Even if you're young, you might not want to take a lot of risks. You'll select your investments based on your risk profile.
- Generally speaking, stocks are more volatile than bonds, and bank accounts (checking and savings accounts) are not volatile.[3]
- Remember, there are always risk trade-off's to be made. Often, when you take less risk, you make less. Investors are richly rewarded for taking significant risks, but they can also face steep losses.[4]
EditEstablishing Your Goals - Set goals for your investments. What do you want to do with the money you make from your investments? Do you want to retire early? Do you want to buy a nice house? Do you want a boat?[5]
- As a rule of thumb, you're going to want a diversified portfolio no matter what your goal is (buying a house, saving for a child's college education, etc.). The idea is to let the investment grow over a long period of time so that you have enough to pay for the goal.
- If your goal is particularly aggressive, you should put more money in the investment periodically rather than opting for a more risky investment. That way, you're more likely to achieve your goal rather than lose the money that you've invested.
- Establish a timeline for your goals. How soon do you want to reach your financial goals? That will determine the type of investments you make.
- If you're interested in getting a great return on your investment quickly, and you are prepared to take the risk that you could also see a great loss just as quickly, then you'll select more aggressive investments that have the potential for significant return. These include undervalued stocks, penny stocks, and land that might quickly appreciate in value.
- If you're interested in building wealth slowly, you'll select investments that generate a slower return on investment over time.
- Determine the level of liquidity you want. A "liquid" asset is defined as an asset that can be easily converted to cash. That way, you'll have quick access to the money if you need it in an emergency.[6]
- Stocks and mutual funds are very liquid and can be converted into cash, usually in a matter of days.
- Real estate is not very liquid. It usually takes weeks or months to convert a property to cash.
EditCreating the Plan - Decide on how you want to diversify. You don't want to put all your eggs in one basket. For example: Every month, you might want to put 30% of your investment money into stocks, another 30% into bonds, and the remaining 40% into a savings account. Adjust those percentages and investment options so that they're in line with your financial goals.
- Ensure that your plan is in line with your risk profile. If you put 90% of your disposable income into stocks every month, then you're going to lose a lot of money if the stock market crashes. That might be a risk that you're willing to take, but be sure that's the case.
- Consult a financial adviser. If you're uncertain about how to set up a plan in line with your goals and your risk profile, talk to a qualified financial adviser and get some feedback.[7]
- Investigate your options. There are many different accounts you might use for an investment plan. Familiarize yourself with some of the basics and figure out what works for you.
- Set up a short-term emergency savings account with three to six months worth of living expenses. It's important to have this established to protect yourself if something unexpected happens (job loss, injury or illness, etc.). This money should easy to access in a hurry.
- Consider your options for long-term savings. If you are thinking about saving up for retirement, you may want to set up an IRA or 401(k). Your employer may offer a 401(k) plan in which they will match your contribution.[8]
- If you want to start an education fund, think about 529 plans and Education Savings Accounts (ESAs). Earnings from these accounts are free from federal income tax as long as they're used to pay for qualified education expenses.[9]
EditEvaluating Your Progress - Monitor your investments from time to time. Check to see if they're performing according to your goals. If not, reevaluate your investments and determine where changes need to be made.
- Determine if you need to change your risk profile. Generally speaking, as you get older, you'll want to take less risk. Be sure to adjust your investments accordingly.
- If you have money in risky investments, it's a good idea to sell them and move the money to more stable investments when you get older.
- If your finances tolerate the volatility of your portfolio very well, you might want to take on even more risk so that you can reach your goals sooner.
- Evaluate whether or not you're contributing enough to reach your financial goals. It may be the case that you're not putting enough money from every paycheck into your investments to make your goals. On a more positive note, you might find that you're way ahead of reaching your goals and that you're putting too much money into your investments on a regular basis. In either case, adjust your contributions accordingly.
- Even the best investment plan may need tweaking as changes in the economy occur or your personal circumstances shift in some manner. See those situations as opportunities to rethink your strategy while still keeping your goals uppermost in your mind. Doing so will lend direction to your investment activities and make it easier to see the big picture even as you deal with what is happening today.
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