Even with 2018’s wild swings, stock markets are generally very strong, which is great for portfolios but can also pose challenges when it is time to sell. Investors may face significant capital gains taxes on stocks that have accumulated value. A great option can be to donate appreciated stock. Always consult with your tax or financial advisors to determine the best strategies for you.

Gambling addiction doesn’t discriminate-- it’s just as likely to impact a woman as it is a man, a minimum-wage employee as a CEO, a college student as a retired senior citizen. Compared to other addictions, gambling addictions are easy to hide. There are no physical signs or symptoms; even close loved ones might not know the truth.

David Pogg’s gambling addiction began when he was a child, visiting the dog track with his grandparents. Decades later, he found himself out for a walk, staring at the icy Connecticut River, contemplating taking his own life.