Well Balanced. Vol 36

A round-up helping you get today right.

?? Stock Quote

“The most effective way to change your habits is to focus NOT on what you want to achieve, but on who you wish to become.”?

?? James Clear, author of the book "Atomic Habits”

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?? Riddle Me

Q: What is the primary cause of ocean tides?

(Scroll to the end for the answer)

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??? Tax Season Reminder: Consider Delaying Your Filing

During tax season, it’s common to receive Corrected 1099 forms, sometimes weeks after the initial forms are issued. To avoid the hassle of filing an amended return, we recommend waiting a few extra weeks before submitting your tax return. This delay allows any necessary corrections to surface, ensuring accuracy in your filing.

Postponing may be frustrating, but it can help prevent unnecessary complications. For individuals, the deadline to file 2024 taxes without an extension is April 15, 2025.

?? Prioritization Framework?

There’s always more to do than time allows. If you have ever felt this way, check out The MoSCoW method. It helps prioritize tasks by categorizing them into four levels:

1. Must have – Critical deadlines or essential work.
2. Should have – Important but flexible tasks that can be delayed if needed.
3. Could have – Low-priority tasks that add value but aren’t essential.
4. Won’t have – Distractions or non-essential tasks that can be ignored.

The MoSCoW method can be adapted to home renovations and maintenance projects as: (M) Structural repairs, (S) Energy-efficient upgrades, (C) Aesthetic or luxury, and (W) non-essentials.

A prioritization framework helps you make better decisions, stay focused, and use resources wisely. A clear structure prevents decision fatigue and helps you focus on what truly matters.

?? Recent Vector Posts & Pods

Discussions from our blog that aim to spark dialogue, enhance retirement readiness, and help make more informed financial choices.

A Rationale for Investing. Looking Beyond the Coin Flip

• On any given day, the odds of the S&P 500 ending in the green are around 53 percent. Nearly the same odds as the flip of a coin. On the surface, participating in a daily venture where half the time you lose may seem counterintuitive. And yet. Read More

Why Markets Move: The Power of Shifting Expectations

• It’s not just about today’s data—it’s about what investors expect tomorrow. Nvidia’s stock swings, the Federal Reserve’s rate decisions, and even TikTok-fueled tourism all have one thing in common: expectations shape economic reality. Read More

A Bucket-Based Approach to Navigating Market Uncertainty

• As you approach retirement and begin drawing from your portfolio, the sequence of returns—the order in which market gains or losses occur—takes on much greater importance. Read More

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?? What’s your PIN?

Think of a 4-digit pin that you have used lately. Perhaps this is your ATM card code, a phone unlock, or a garage door keypad entry. Got it?

Ok, now see how popular your pin is and why. Turns out that nearly one in 10 people use the same four-digit pin.

Find out, Learn more (external link)

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?? Riddle Answer

A: The gravitational pull of the moon is the primary cause of ocean tides.?

Water on Earth bulges out on the side closest to the moon, creating a high tide. Simultaneously, a second bulge forms on the opposite side due to inertia. These bulges create high tides, while areas between them experience low tides.

Opposing forces in harmony: Attraction (gravity pulling water toward the Moon) is balanced by inertia (resistance creating the opposite bulge).

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?? Insights and Context Delivered

Vector Wealth offers a variety of ways to stay connected and informed.

Connect with your advisor and to Vector’s company page on LinkedIn, subscribe to our newsletter, and follow our Well Balanced podcast.

All content discussed in our podcasts, videos, or related blog articles are for informational purposes and should not be construed as individualized financial advice.

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