The one thing we all have in common is that we have to manage money throughout our lifetimes.  And yet there is so little financial literacy taught in our schools.  There are certain sound principles that you will read and hear time and again.  In his new book, J. Ted Oakley, the founder of Oxbow Advisors, preaches a very important one as evidenced by the title “Stay Rich With a Balanced Portfolio: The Price You Pay for Peace of Mind.”  It’s a great guide to the various personality traits which compel people to make good and bad decisions.  For example, when things start to go south in the market do you have a tendency, out of fear, to pull all your money out and retreat to a safe harbor?  Or are you one who operates out of loyalty holding on to stocks you’ve owned for years even if they no longer perform well?  We’ll discuss the calm demeanor and diversification needed to make your investments bring you gently into retirement.  Even if you’ve heard some of this before, a refresher is always helpful in these uncertain times.