Q: You don't want to put all your eggs in one basket. For example: Every month, you might want to put 30% of your investment money into stocks, another 30% into bonds, and the remaining 40% into a savings account. Adjust those percentages and investment options so that they're in line with your financial goals. If you put 90% of your disposable income into stocks every month, then you're going to lose a lot of money if the stock market crashes. That might be a risk that you're willing to take, but be sure that's the case. If you're uncertain about how to set up a plan in line with your goals and your risk profile, talk to a qualified financial adviser and get some feedback. There are many different accounts you might use for an investment plan. Familiarize yourself with some of the basics and figure out what works for you.   Set up a short-term emergency savings account with three to six months worth of living expenses. It's important to have this established to protect yourself if something unexpected happens (job loss, injury or illness, etc.). This money should easy to access in a hurry. Consider your options for long-term savings. If you are thinking about saving up for retirement, you may want to set up an IRA or 401(k). Your employer may offer a 401(k) plan in which they will match your contribution.  If you want to start an education fund, think about 529 plans and Education Savings Accounts (ESAs). Earnings from these accounts are free from federal income tax as long as they’re used to pay for qualified education expenses.
A: Decide on how you want to diversify. Ensure that your plan is in line with your risk profile. Consult a financial adviser. Investigate your options.

Q: Often, the question you would like to ask has already been answered in the material the professor has provided at the beginning of class. Asking a professor to go over this again makes you look like you are not a serious student, and it frustrates the professor because it wastes their time.  Your syllabus may contain information about course assignments, deadlines, class policies, and assignment formatting. If your professor only gives you a list of readings, it's fine to email them with a question that isn't answered in the syllabus. Professors are deluged with emails every day. By using your school account, you'll have a better chance of avoiding the spam filter. Plus, your school email looks more professional. It also lets the professor know who's actually sending the email, as school emails are usually based on your name. A subject line clues your professor in to what the email is about before they open it. That can be helpful because they can set aside an appropriate amount of time to deal with it. Make sure the subject line is clear and to the point. For instance, you could write "Question about Current Assignment" or "Final Essay." It can be tempting to just to plunge into your request. However, when you're writing to a professor, you need to treat it more like you would a formal letter. Begin with "Dear Dr. Jones," followed by a comma. Make sure to use the professor's last name.  If you're not sure if the professor has a doctorate, you can address them as "Professor Jones." You can use a bit more informal greeting, such as "Hello Dr. Jones," if you've had personal interactions with the professor.
A: Check the syllabus for the answer first. Use your academic account. Include a strong subject line. Start with a greeting using the professor's title and surname.

Q: If you can find a spot of floor and wall that are flat and roughly perpendicular, you can easily assess your current posture and reset your body into a proper alignment.  Stand facing away from the wall, and slowly back up until you are standing in solid contact with it (but not leaning against it). Your feet should be shoulder-width apart, flat on the floor beneath you, and a few inches off the wall. Ideally, you want three contact points between your body and the wall:  the back of your head, your shoulder blades, and your buttocks.  If you have poor standing posture, you may find that your mid-back (perhaps along with your buttocks) touches the wall first. Although less common, some people lean back too far instead of slouching forward, in which case your head alone may touch the wall first. If you are not making contact with your head, shoulder blades, and buttocks, reorient your upper body without moving your feet so that you are in a proper standing position. Once you get a feel for standing up straight against the wall, try walking away while maintaining your proper upper-body posture.  Before long, your body will want to revert to its former, familiar positioning.  Try to focus on how proper positioning feels so that you can maintain it as long as possible. Once you feel the “slouch” returning, go back against the wall to re-establish your posture. It is not a complicated process for most people to improve their posture, but it does take time and effort.  It can be tempting to just go back to your familiar “hunch,” but keep in mind why it is well worth it to make the change.  Although you may think of slouching as being more relaxed, it actually makes your muscles work harder, robbing energy from you in the process.  It also makes it harder to breathe deeply and fully, which further reduces energy levels. The pressure placed on the vertebrae due to poor posture can lead to pinched nerves, stiffness, decreased flexibility and mobility, and even reduced sensation in the extremities. Good posture makes your muscles more limber; relaxes tension in your neck, shoulders, and back (which can reduce your stress level); and can even boost your mood and psyche.  Studies indicate that people with good posture are on average more confident and energetic, and have better memory skills.
A: Back up against a wall. Notice what touches the wall. Step away and hold your positioning. Remind yourself of the benefits.

Q: Plan on a gallon a day for everyone in the household. You should include your pets in this calculation. Store at least 3 days worth of water, though 2 weeks is better if you have the space. For instance, if you have 3 people and 1 dog in your household, that's 4 gallons a day. For a 3-day supply, that's 12 gallons of water. For a 2-week supply, that's 56 gallons. Water that has been commercially bottled is the safest to store. It is less likely to be contaminated with bacteria, and it will keep for longer.  If you prefer to store your own water, use 2-liter soda bottles, as milk and juice can leave behind a residue that can grow bacteria. Use soap and water to clear the jug of any residue. Make sure all the soap is out of it. Add a teaspoon of bleach to a quart of water. Use that solution to sanitize the bottles. Pour it in. Put the lid on the container, and shake it thoroughly. Wait half a minute or more to pour it out.  Let the bottle air dry. Only rinse if you have clean (sanitized) water already available.  Add tap water. Once you have cleaned the bottles and let them dry, you can add tap water. As long as your city adds chlorine to the water, that is all you need to do. If you are on an alternative source for water, you need to add bleach yourself. Use unscented bleach at a ratio of 2 drops for each gallon of water. Screw the lids on tightly when you're done, then label it as drinking water. Put the water in a cool area. The area doesn't need to be completely dark, but it shouldn't be in sunlight. Also, make sure to not store the bottles near pesticides, gasoline, or other chemicals. Check the expiration dates on commercially bottled water to figure out when you need to replace it. For water you bottle at home, replace it every 6 months.
A:
Calculate how much you'll need. Purchase bottled water. Store the water. Replace the water as needed.