The ability to think clearly and draw correct conclusions is necessary in everyday life, especially when it comes to making important decisions. But thinking critically is not natural; it’s not the way our brains are hardwired. Instead, we are hardwired to follow the path of least resistance, which often results in hasty and suboptimal decisions. This is especially prevalent when uncertainty, anxiety, and emotions are high.

Many investors express discomfort when things are uncertain. This is especially true when experiencing “heightened uncertainty,” such as with the current Eastern European conflict.

Right now, investors are facing two main concerns: Rising inflation and significant conflict in eastern Europe. Whenever concerns abound, the most natural reactions are for stock markets to go down and investors to worry or even panic.

TIPS TO SLIM EATING AT THE HOLIDAY TABLE 1. Before you sit down to eat, drink at least 8 ounces of water. This will help to cut your appetite as well as increase your metabolism.

Alcohol! This party favorite deserves more attention. If you drink, do so in moderation. Alcohol decreases your inhibitions and increases your chance of overeating. It is also high in calories which tend to be stored in the abdomen. Alcohol is a depressant and depletes the brain’s serotonin, a chemical that maintains normal mood. Now who needs that party pooper!

As a very eventful 2021 comes to a close, the jury (and the senate) is still out. By way of full disclosure this year’s tips are subject to change. The final version of the "Build Back Better Bill" passed by Congress in November is waiting approval by the Senate. While there is no way to predict what will remain in the final version of the Bill or when certain changes will take effect, there are still several options to consider. As always, we recommend that you consult with your tax advisor prior to year-end for guidance.