Curtis Edmark

  Your online presence is bigger than you think. From digital wallets to photo libraries, your   digital assets   hold both emotional and financial value — and they deserve the same protection as your physical property. This article outlines how to identify, organize, and secure your online accounts so your family and business can access what matters most when it counts. What Are Digital Assets and Why Do They Matter? Digital assets include any electronic record or online account that has personal, professional, or financial significance. That could mean anything from a cryptocurrency wallet to a shared drive of family memories. These assets fall into three main categories: Personal:   photos, emails, messages, and social media accounts Financial:   online bank accounts, investment platforms, and digital currencies Professional:   business logins, software subscriptions, and client databases Losing access to these assets can be devastating. Without proper p...

  You might feel   comfortable taking on market risk , but that doesn’t mean your finances can actually handle it. Knowing your   risk tolerance   isn’t enough — your   risk capacity   determines how much risk you can truly afford. This article unpacks the difference between psychological comfort and financial ability when investing. You’ll learn how to align both to build a portfolio that protects your future while still pursuing growth. What’s the Difference Between Risk Tolerance and Risk Capacity? Risk tolerance is emotional . It measures how you react when markets move sharply up or down — whether you stay calm or panic-sell. Risk capacity, on the other hand, is numerical. It’s grounded in your financial position, time horizon, and cash flow stability.  You may be brave enough to stomach volatility, but if your income stream is unpredictable or your retirement is close, your financial situation may not support that same level of risk. Conversely, ...

You gain a true edge by   harnessing joy : emotional positivity not only uplifts your mood but sharpens focus, bolsters resilience, and deepens future-oriented thinking in business and finance. In this article, you’ll discover how   positive emotions influence   mental performance, see neuroscience evidence linking emotion and decision-making, and learn actionable ways to bring joy into your financial strategy so it becomes a source of strength—not distraction. How does joy improve performance in finance and business? When you experience positive emotions—joy, enthusiasm, optimism—you broaden your attention and creativity. You see more possibilities, combine ideas, and solve problems with greater flexibility. This is captured in the   broaden-and-build theory   of positive psychology, which posits that positive affect expands your mental “radius,” letting you accumulate psychological resources over time.  Continue reading . 

  You   manage tariffs and investing by focusing on diversification , rebalancing methodically, and aligning your portfolio with long-term goals rather than reacting to short-term headlines. In this article, you’ll see how tariffs affect different markets, why diversification is your best defense, and how to implement a proactive approach that reduces risk without derailing growth. You’ll also learn how often to review your portfolio, which sectors are most exposed, and how to keep discipline in uncertain times. How do tariffs affect markets and your portfolio? Tariffs influence the cost of goods, supply chains, and overall profitability of industries, which in turn impacts markets. When tariffs are imposed on imported goods, companies relying on those inputs face higher expenses. These costs can either be absorbed, hurting margins, or passed along to consumers, potentially fueling inflation. Both outcomes unsettle investors and create price swings.  Read on .