Maddy, If you are uncomfortable with something don't use it. "Breath through your nipples" sounds like Chi Gung which is a different animal from what I'm talking about (Chinese herbs mainly). "I have found myself turned off by the fact that its prescriptions are so often explained in...

The one thing I do as tactical allocations are to move assets I think will gain in tax shelters and those that will lose in taxable accounts. I’ve been pretty successful with that . I also utilize a trust where I am the trustee but neither I nor spouse are beneficiaries. Our heirs are beneficiaries...