This year the oldest baby boomers—those born in 1946—are turning 65. Millions of other boomers will reach this milestone over the coming 18 years until the youngest of that generation, those who were born in 1964, reach this age. By that time the oldest boomers will be in their early 80s. With falling death rates …Read More

Before you open your mail, you have already made judgments about it. There may be lessons in your own first impressions. Pay attention to them. Some items are obviously personal or expected and may be opened right away. Some are impersonal (perhaps addressed to “Resident”) and may go immediately to the trash. And there are …Read More

Last month in Give & Take we examined the concept of endowment as it is understood in various ways. But how does endowment apply in your case? As we saw last month, the term “endowment” in its purest sense describes funds transferred by donors in perpetuity with earnings (and perhaps a portion of principal) devoted …Read More