BOSTON ( TheStreet) -- Today's tough economy presents lots of challenges for your pocketbook -- but a fair share of opportunities as well."If you're out of work and facing a divorce and health issues, then this is the time to conserve your assets," personal finance guru Ric Edelman said. "But if you're in a better situation, this could be a wonderful time to invest and take advantage of [low asset prices]. Your personal-finance strategy will depend on your individual circumstances."
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