(MONEY Magazine) – HIGH REWARD / LOW RISK

REBALANCING YOUR PORTFOLIO

Upside: Lowers risk; elevates sense of being in control Downside: Let's face it: It's a pain.

HIGH REWARD / HIGH RISK

JOINING THE OFFICE OSCAR POOL

Upside: Possible huge return, depending on size of pool Downside: High likelihood of 100% loss

LOW REWARD / LOW RISK

GIVING CHOCOLATES TO YOUR VALENTINE

Upside: Your sweetie will love you all the more (see page 124). Downside: There's more of your sweetie to love.

LOW REWARD / HIGH RISK

DONATING OLD CLOTHES

Upside: Can turn tired Keds into tax savings Downside: Riskier now, thanks to new IRS rules (see page 43)