The recent wild swings of the stock market have left many doubting the health of their investment portfolio. Although we should concentrate on investing for the long run, during an economic down-turn, it's easy enough for investors to lose focus. The following are ideas and tips for staying the course, regrouping, and perhaps recouping.

Now, more than ever, staying on target with an existing budget is the smart approach to tough times. Tightening up spending may not seem like much fun, but being willing to put off instant gratification for future security will create even greater financial freedom down the road.

A few weeks ago, at a local production of Richard Greenberg's brilliant play "The Violet Hour," spectators entering the theatre were treated to the following sign:Warning: there is cigarette smoking in this play.

Reading and cigars are both contemplative pleasures. They're best undertaken over a table on a balcony--or in a comfortable couch--or on a warm, sunlit porch. They need a bit of concentration, and afford, in return, a little break from the stress of the day.

Credit is a way of life in America. It allows consumers to make improvements on their home, purchase goods, and establish a credit history - a necessity for securing credit in the future. But for those who have chosen to "play now and pay later," a lapse in credit can have adverse effects, making it harder later to secure a mortgage, car loan or business loan.

With approximately 63 million Americans banking online, according to a recent study, it's getting harder to remember what life was like before it. As online banking gains widespread acceptance, more banks are offering web-based products and services to enhance communication and support with their clients.

While the concept of living within in your means may seem pretty straightforward, actually learning to spend less than what you make can be a challenge. Even in light of recent financial turmoil, many Americans today are making solid incomes and yet have less and less to show for it.

Whether selecting a traditional or online bank, it's always wise to ensure that deposits are federally insured. Established in 1933, the Federal Deposit Insurance Corporation is an independent agency whose main goal is to promote confidence and stability in the nation's banking system.

Every great pastime inspires its own rich history and lore, including its own library of great sayings - though these are often edited a little by tradition.

Jewelry is one of the more thoughtful gifts a man can present the special woman in his life. However, choosing jewelry continues to stump many males. Assailed with doubt, men often opt to give safe gifts such as flowers and chocolate.