Five tips to maximize the return on investment in your child’s college career

submitted by Michael Garry, CFP®, JD/MBA, Yardley Wealth Management, LLC

This graduation season there are the usual stories about student debt accompanied by news of the highest-paying college majors. If you want your child to be miserable, encourage them to pick a major by its current pay.

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Too many ways to fool yourself

submitted by Michael Garry, CFP®, JD/MBA, Yardley Wealth Management, LLC

Nothing is as difficult for people as not deceiving themselves. While some self-delusions are relatively costless, those relating to investments can be expensive.

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Neurofeedback cancels depression

submitted by Dr. Maria DiDonato, D.Ed. Psychologist, Achievement & Wellness Center, www.achievewell.net

Roberta (not her real name) considered neurofeedback because of depression, anxiety and panic attacks that interfered considerably with her life. For many years, despite all the doctors’ attempts to help, medication was not proving to be the answer, and her struggle was getting no better.

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DUI Q & A

submitted by Carla V. Risoldi, LLC, risoldilawoffices.com

Q.  My son was cited for underage drinking. We were offered a deal that he can take a class, and they would dismiss the charges. Should we just take this deal?

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Cows are like solar panels

submitted by Mark Bortman, Exact Solar, mark@exactsolar.com

Have you heard the expression, “Why buy the cow when you can get the milk for free?” Well, since no one is giving away free milk, maybe I should buy the cow. The price of milk is close to $4 per gallon. According to CBS News, the price of milk is headed up even higher. I can’t imagine what a gallon is going to cost in five or 10 years.

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Understanding custody terms

submitted by Jennifer Courtney, Esquire, www.courtneylaw.net

When parents separate, it is helpful to understand the distinction of the various terms used in custody proceedings in the Commonwealth of Pennsylvania.

For custody purposes, the term “child” refers to an un-emancipated person under the age of 18 years. The term “legal custody” refers to the legal right to make major decisions affecting the best interests of the child, including medical, religious and educational decisions. The term “physical custody” refers to the actual physical possession and control of the child.

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Neurofeedback helps at any age

submitted by Dr. Maria DiDonato, D.Ed. Psychologist, Achievement & Wellness Center, www.achievewell.net

Marge (not her real name) was a perky, attractive middle-aged woman. She was independent and wanted to stay on the top of her game. She enjoyed her job and felt good about having a meaningful lifestyle. Stress with family situations and job demands were causing her to feel overwhelmed as she tried to keep a positive attitude and maintain balance. Unavoidably, she found herself worrying and developing a depressed mood, making her routine seem burdensome.

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Invest for the future, not the past

submitted by Michael Garry, CFP®, JD/MBA, Yardley Wealth Management, LLC

Much financial news purports to be about the future but is really just an account of the past. When stocks have fallen heavily in price, this is routinely reported as, “More bad news for investors today…” In fact, if you are a long-term investor, that could be good news unless you had to sell then. The key is how your portfolio performs from now on, not what happened yesterday. Investment is about the future, not the past. Because the future is unknown, you should strive to manage the uncertainty by diversifying across stocks, sectors, asset classes, and countries.

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Warmer pool, lower bills, cooler world

submitted by Mark Bortman, Exact Solar, mark@exactsolar.com

Finally it seems that spring has sprung! After our long, cold, snowy winter, it is nice to play outside and plant some flowers. Before we know it, it will be time for one of my favorite summer activities – swimming.

I really enjoy swimming. One of the things I don’t like, however, is getting into cold water. Unlike my kids, if the pool is cool, I take forever to get in, if I get in at all.

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Check your beneficiary designations

submitted by Michael Garry, CFP®, JD/MBA, Yardley Wealth Management, LLC

Chances are, when you bought life insurance, you put a lot of thought into it. How much coverage did you need? Were you covering the potential loss of income due to premature death, or were the proceeds to pay estate taxes or provide an inheritance? What kind of coverage did you want?

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