In this issue

Jonathan Tobin: Defending the Right to a Jewish State

Heather Hale: Compliment your kids without giving them big heads

Megan Shauri: 10 ways you are ruining your own happiness

Carolyn Bigda: 8 Best Dividend Stocks for 2015

Kiplinger's Personal Finance editors: 7 Things You Didn't Know About Paying Off Student Loans

Samantha Olson: The Crucial Mistake 55% Of Parents Are Making At Their Baby's Bedtime

Densie Well, Ph.D., R.D. Open your eyes to yellow vegetables

The Kosher Gourmet by Megan Gordon With its colorful cache of purples and oranges and reds, COLLARD GREEN SLAW is a marvelous mood booster --- not to mention just downright delish
April 18, 2014

Rabbi Yonason Goldson: Clarifying one of the greatest philosophical conundrums in theology

Caroline B. Glick: The disappearance of US will

Megan Wallgren: 10 things I've learned from my teenagers

Lizette Borreli: Green Tea Boosts Brain Power, May Help Treat Dementia

John Ericson: Trying hard to be 'positive' but never succeeding? Blame Your Brain

The Kosher Gourmet by Julie Rothman Almondy, flourless torta del re (Italian king's cake), has royal roots, is simple to make, . . . but devour it because it's simply delicious

April 14, 2014

Rabbi Dr Naftali Brawer: Passover frees us from the tyranny of time

Greg Crosby: Passing Over Religion

Eric Schulzke: First degree: How America really recovered from a murder epidemic

Georgia Lee: When love is not enough: Teaching your kids about the realities of adult relationships

Cameron Huddleston: Freebies for Your Lawn and Garden

Gordon Pape: How you can tell if your financial adviser is setting you up for potential ruin

Dana Dovey: Up to 500,000 people die each year from hepatitis C-related liver disease. New Treatment Has Over 90% Success Rate

Justin Caba: Eating Watermelon Can Help Control High Blood Pressure

The Kosher Gourmet by Joshua E. London and Lou Marmon Don't dare pass over these Pesach picks for Manischewitz!

April 11, 2014

Rabbi Hillel Goldberg: Silence is much more than golden

Caroline B. Glick: Forgetting freedom at Passover

Susan Swann: How to value a child for who he is, not just what he does

Cameron Huddleston: 7 Financial Tasks You Should Tackle Right Now

Sandra Block and Lisa Gerstner: How to Profit From Your Passion

Susan Scutti: A Simple Blood Test Might Soon Diagnose Cancer

Chris Weller: Have A Slow Metabolism? Let Science Speed It Up For You

The Kosher Gourmet by Diane Rossen Worthington Whitefish Terrine: A French take on gefilte fish

April 9, 2014

Jonathan Tobin: Why Did Kerry Lie About Israeli Blame?

Samuel G. Freedman: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Jessica Ivins: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Kim Giles: Asking for help is not weakness

Kathy Kristof and Barbara Hoch Marcus: 7 Great Growth Israeli Stocks

Matthew Mientka: How Beans, Peas, And Chickpeas Cleanse Bad Cholesterol and Lowers Risk of Heart Disease

Sabrina Bachai: 5 At-Home Treatments For Headaches

The Kosher Gourmet by Daniel Neman Have yourself a matzo ball: The secrets bubby never told you and recipes she could have never imagined

April 8, 2014

Lori Nawyn: At Your Wit's End and Back: Finding Peace

Susan B. Garland and Rachel L. Sheedy: Strategies Married Couples Can Use to Boost Benefits

David Muhlbaum: Smart Tax Deductions Non-Itemizers Can Claim

Jill Weisenberger, M.S., R.D.N., C.D.E : Before You Lose Your Mental Edge

Dana Dovey: Coffee Drinkers Rejoice! Your Cup Of Joe Can Prevent Death From Liver Disease

Chris Weller: Electric 'Thinking Cap' Puts Your Brain Power Into High Gear

The Kosher Gourmet by Marlene Parrish A gift of hazelnuts keeps giving --- for a variety of nutty recipes: Entree, side, soup, dessert

April 4, 2014

Rabbi David Gutterman: The Word for Nothing Means Everything

Charles Krauthammer: Kerry's folly, Chapter 3

Amy Peterson: A life of love: How to build lasting relationships with your children

John Ericson: Older Women: Save Your Heart, Prevent Stroke Don't Drink Diet

John Ericson: Why 50 million Americans will still have spring allergies after taking meds

Cameron Huddleston: Best and Worst Buys of April 2014

Stacy Rapacon: Great Mutual Funds for Young Investors

Sarah Boesveld: Teacher keeps promise to mail thousands of former students letters written by their past selves

The Kosher Gourmet by Sharon Thompson Anyone can make a salad, you say. But can they make a great salad? (SECRETS, TESTED TECHNIQUES + 4 RECIPES, INCLUDING DRESSINGS)

April 2, 2014

Paul Greenberg: Death and joy in the spring

Dan Barry: Should South Carolina Jews be forced to maintain this chimney built by Germans serving the Nazis?

Mayra Bitsko: Save me! An alien took over my child's personality

Frank Clayton: Get happy: 20 scientifically proven happiness activities

Susan Scutti: It's Genetic! Obesity and the 'Carb Breakdown' Gene

Lecia Bushak: Why Hand Sanitizer May Actually Harm Your Health

Stacy Rapacon: Great Funds You Can Own for $500 or Less

Cameron Huddleston: 7 Ways to Save on Home Decor

The Kosher Gourmet by Steve Petusevsky Exploring ingredients as edible-stuffed containers (TWO RECIPES + TIPS & TECHINQUES)

Jewish World Review

How to Invest Like a Millionaire

By Ryan Ermey

Surprisingly, the investing habits of the wealthy can work equally well for those with more modest portfolios

JewishWorldReview.com | Admit it: At one point or another, you've wondered how millionaires invest. After all, with their perceived access to insider tips, exclusive stock offerings and double-Windsored financial advisers, they must know something the rest of us don't, right?

But here's the dirty little secret. If you listen to what millionaires say about their investing habits and talk with the people who study and advise them, you quickly learn that there is no secret. Rather, at the risk of sounding smug, we'd say that millionaire investors adhere to the same tried-and-true investing principles that Kiplinger's has recommended for decades. Here's a peek at three of those principles that can help investors of all means build wealth for years to come.

Know your risk tolerance. You might think most millionaire investors are routinely making all-or-nothing bets on exotic securities, but that's far from the case. In fact, risk is the number-one concern among millionaire investors, according to a 2013 study conducted by Spectrem Group, a research firm that specializes in the financial habits of the wealthy. More than 90% of the millionaire investors surveyed indicated that they worry about risk--especially the risk of losing some or all of an original investment. A 2013 U.S. Trust survey supports the notion of risk-aversion among well-off investors. The survey found that 63% of investors with at least $3 million in investable assets prioritize lowering risk even if it means lowering potential returns; 37% prioritize pursuing higher returns while taking on more risk.

According to Catherine McBreen, president of Spectrem's Millionaire Corner, wealthy investors tend to take on more risk once net worth climbs into eight figures. For example, McBreen says investors with $25 million-plus in net worth are more likely to invest in riskier alternative investments, but investors in the $1 million-to-$10 million net-worth range are far more conservative. "They're probably investing like you're recommended to do in your 401(k)," she says.

Risk tolerance is a personal thing, and not all millionaire investors are created equal. In general, Spectrem found that millionaire investors are more likely to take on risk if they're younger, or if they attribute their financial success to luck or being in the right place at the right time. Older millionaires are more risk-averse, as are so-called "plodders," who attribute their wealth to old-fashioned hard work, frugality and education. Bottom line: They all try to understand their personal risk tolerance and invest accordingly, as should you.

Get help, but stay engaged. According to U.S. Trust, 79% of millionaire households use some kind of professional adviser. Even for millionaires, the financial world is complicated and volatile. For instance, 66% of investors with at least $3 million in investable assets say they're not well-informed about the impact of recent tax-law changes on investment returns. Advisers help investors make sense of their financial situation and work with them to create and attain long-term goals. So if you want to invest like a millionaire, you should consider finding a financial adviser.

But that doesn't mean you should sit on the proverbial sidelines while someone else takes charge of your investments. According to McBreen, about 65% of millionaire investors are interested and hands-on with their investments, compared with about 40% of individuals with a net worth below $1 million.


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It can be difficult to stay engaged if you're working hard to pay the bills, but a little effort can go a long way. Joe Jennings, investment director for PNC Wealth Management in Baltimore, cites engagement as one of the most important lessons to be learned from millionaire investors. "It can be as little as taking a look at your portfolio on a regular basis, whether it be quarterly, twice a year or annually," he says, "and rebalancing to stay in line with your risk tolerance."

Invest for the long haul. The overwhelming majority - 86% - of millionaire investors believe that the buy-and-hold approach is the best strategy for growing money over time, according to U.S. Trust. More than 86% of those investors would probably also tell you that it's a good idea to buy low and sell high and to invest in high-quality companies. You should listen.

These basic investing mantras may seem obvious, but they can be tricky to implement, especially in brutal bear markets such as the ones experienced during the early 2000's and the Great Recession. When markets are being battered, it can be very difficult to pull the trigger on buying stocks. But that's when Jennings says millionaires know to get back to basics. "Stay disciplined, and try to take emotion out of the decision-making process," he says. "You're not going to get rich overnight. It's all about creating a good, solid plan for the long term and sticking to it."

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Ryan Ermey is a reporter for Kiplinger's Personal Finance.

All contents copyright 2013 The Kiplinger Washington Editors, Inc. Distributed by Tribune Content Agency, LLC