Ruben T. Varela

Ruben T. Varela Articles

Surfers know they can catch many rides on the smaller waves that break along the shore. However, true surfing enthusiasts know that if they paddle beyond the break and wait, eventually a "set" wave will arrive to offer a larger, more...

According to the Talmud you should keep one-third of your assets each in land, business interests, and gold.

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