INPUT ARTICLE: Article: When you get your year-end statements in January, take a look at the performance of your mutual funds and rearrange your investments by buying and selling shares. This allows you to retain your original balance. For example, suppose you have $100,000 which you have spread evenly across four different funds. However, at the end of the year, one fund has out-performed the rest so that it is now 30 percent of your portfolio rather than 25 percent. To rebalance your portfolio, you would want to take 5 percent of your shares in that fund and transfer them to the other funds in your portfolio. If your funds are held in a tax-deferred account such as a 401k, transferring assets between funds typically is your best option. However, with taxable accounts it's generally better to simply add new contributions to the lower-performing funds to rebalance. This way you can avoid paying taxes on the assets you sell and transfer. Performance weighting is a rebalancing strategy that involves selling shares from a high-performing fund and buying shares in your lowest-performing fund. While it seems counterintuitive, it follows the principal that funds tend to bounce back. You can think of this as adhering to the general stock investment strategy of buying low and selling high. You typically can buy more shares in a lower-performing fund, so you'll realize a greater return when it bounces back. Rebalancing your portfolio in this way will put you further ahead in the long-term than other strategies. When investing in mutual funds, discipline and self-control are important for healthy long-term returns. If you are impatient and trade frequently, chasing high-performance funds and large gains, you end up costing yourself a lot of money. Ultimately, anyone can be a successful investor, and mutual funds are a great investment vehicle for beginning investors. However, you must have a plan to invest and the discipline to stick to that plan. Avoid making decisions based on emotions or out of desperation. If you are questioning your motives for making an investment decision, talk to an advisor who can be objective. Typically, mutual funds will bounce back from a downturn, so it's not necessarily a good strategy to dump a mutual fund just because it performs poorly in the short-term. However, If a fund has taken an overall downward trend for awhile, it may be time to let it go. You also should watch out for funds that change managers, especially if this happens suddenly. Different managers may have different strategies that could significantly affect performance. Be on the lookout for changes that mean the fund at present has changed character so much that it's no longer the same fund in which you originally invested. Replace it with a fund that more closely matches your original goal for that fund within your portfolio.

SUMMARY: Rebalance your portfolio every year. Practice performance weighting. Take a disciplined approach. Replace under-performing funds.

In one sentence, describe what the following article is about: You may be tempted to hold off on delivering the bad news because you don't want to be blamed for the bad news, even when it's not your fault. However, delaying will often make the problem worse. For one, if your boss finds out that you didn't tell them, they're going to be even more unhappy. Also, if your boss has the bad news, they'll be able to prepare for the consequences instead of being blindsided by them, which means the company's reaction as a whole can be more positive. Any problems with significant consequences should be reported as quickly as possible. Assess the potential impact of a problem to determine when to report it. Any issue that may result in danger or law suits, such as major violations of company policy, should be reported immediately. The sooner you get the information to your boss, the sooner they can take it to their boss, if they're not the head of the company. If the bad news is not urgent, keep your eyes open to see when your boss seems less busy. When you notice their workflow slowing down a bit, go in and ask if you can talk to them. That way, you give them a chance to push it off to another time if they don't have the time right now. However, an important issue, such as sexual harassment, should be reported immediately, regardless of how busy your boss is. For less pressing news, you could pick a time when you know the person will be in a good mood, as then the bad news won't come as such a blow. For instance, you could say, "I have something I'd like to discuss with you. Is now a good time?" Also mention about how long you think it will take. You definitely don't want to catch your boss as they're trying to get out the door or running downstairs for lunch. You could also send an email asking about a good time if that's more your boss's style. Trying to soften the blow with rhetoric is not going to help. Just get to the point. Your boss is busy, and most busy people prefer directness, as it takes less time and they don't have to guess at what you mean. Therefore, have a concise statement to open the conversation with. For example, you could use a statement like, "I have some problems with the new line." Phrasing the statement that way reflects ownership and the acceptance of responsibility. If you blame others, you may be viewed as a whistle-blower or company rat. On the other hand, if you know your boss likes small talk, it can help soften the blow to chat a bit first. Your tone sets the mood. If you treat the problem as something that can be fixed and you remain positive, your boss will likely see it that way, too. However, if you're all doom and gloom and come in with a depressed posture, your boss is going to pick up on that, too. Make sure you stand up straight, look your boss in the eye, and speak in a clear tone of voice. That shows you have the confidence to solve the problem.
Summary: Don't wait. Find a good time to talk. Get to the point. Pay attention to your tone.

INPUT ARTICLE: Article: If you're washing dishes by hand, dry stainless steel immediately rather than letting it air dry. Standing water prevents the stainless steel from producing a layer of chromium oxide that normally prevents rust from forming. Exterior stainless steel is more resilient and water will evaporate from the heat of the sun. WD-40 not only acts as a method of cleaning watermarks or fingerprints, but it also helps prevent the marks in the future. Spray it evenly across the stainless steel and buff it with a clean towel. WD-40 is petroleum based and is not safe for consumption. Clean the area with soapy water after you apply WD-40 if you're using it in the kitchen. Protectants like Everbrite coatings add an extra layer of protection to your stainless steel so doesn't stain in the future. Paint the coating onto the steel completely and let it dry for 1-2 hours. Apply 2 coats for maximum protection. Pour the protectant into a metal or glass container, but not a plastic one.

SUMMARY:
Wipe away standing water as soon as possible. Spray WD-40 over the area. Apply a clear coating with a sponge brush.