“If I hear bad news about the stock market one more time, I’m gonna be sick.”

We get it. Investors are rattled, costs keep rising, and the world keeps getting weirder.

So, who’s better at handling their money than the uber-rich?

Have 3 long-term investing tips UBS (Swiss bank) shared for shaky times:

The catch? Most alternatives aren’t open to everyday investors

That’s why Masterworks exists: 70,000+ members invest in shares of something that’s appreciated more overall than the S&P 500 over 30 years without moving in lockstep with it.*

Contemporary and post war art by legends like Banksy, Basquiat, and more.

Sounds crazy, but it’s real. One way to help reclaim control this week:

Skip waitlist.

_{*Past performance is not indicative of future returns. Investing involves risk. Reg A disclosures: masterworks.com/cd}

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Renovation is a marathon—it’s expensive, dusty, and emotionally exhausting. But at the end of 2025, it’s vital to stop and look back at what you’ve achieved. Whether you finished a total kitchen overhaul or finally painted that spare room, these are Home Wins. Today, we look at why the "Before & After" photo is so psychologically powerful and how to transition from "Project Manager" to "Resident."

As renovators, we are addicted to the "Next." We finish the floors and immediately start staring at the ceiling. To truly love your home, you have to practice The Art of Dwelling.

Open your phone and scroll back to the day you bought your house or the day before your last project started. We normalize our current environment so quickly that we forget the massive effort it took to change it. Look at those old photos side-by-side with your reality today. Recognize the budget you managed and the vision you executed. You have improved your world; acknowledge that work.

Stop thinking about "resale value" for ten minutes. How has your life improved? Does your coffee taste better in your new kitchen? Is the morning sun in your new lounge making you smile? That is the real return on investment. If you aren't stopping to experience that lifestyle gain, the money was wasted. Focus on the joy the space provides to your daily routine rather than the balance sheet.

Between now and January 2nd, declare a total moratorium on home improvement. No hardware store trips. No "just one quick coat of paint." Your only job is to be a Resident. Host a dinner. Read a book. Nap in the guest room. By refusing to work on the house, you finally allow the house to work for you and provide the sanctuary it was built for.

Nothing validates a renovation like seeing others enjoy it. Invite friends over specifically to show off your progress. Seeing someone else’s eyes light up when they see your new bathroom or seeing them relax on your new deck provides a perspective shift that internal pride can't always reach. It turns a "project" back into a "home" where memories are made.

Renovating doesn't just build a house; it builds a person. You've learned how to negotiate, how to read architectural plans, and how to survive without a kitchen for a month. Take a moment to celebrate the resilience and skills you’ve gained over the last year. That knowledge is a permanent "win" that you carry into every future project and life challenge.

Renovation errors cost thousands. $150 buys you a 45-minute expert consultation with 360 Renovations! $150 vs. $10,000… . Choose wisely.

Why 360° Renovations!? 360° Renovations offers a 360-degree view of home improvement, covering everything from budgeting and planning to design and DIY projects. Our goal is to share ideas to help you create a functional and beautiful home that reflects your unique style.

Disclaimer: The information provided in this newsletter is for general informational purposes only and does not constitute professional advice. Before making any decisions related to home renovation, it is recommended that you consult with a qualified professional, such as a contractor, architect, or interior designer. Additionally, it is important to check with your local authorities for any building permits or other regulations that may apply to your renovation project. The publisher of this newsletter shall not be liable for any loss or damage arising from the use of any information contained herein.