"This narrative is a story of the will to overcome the kind of adversity that can crush the spirit…but not this one." -- Sol Gittleman, professor and provost emeritus at Tufts University.

"Ed Hajim's life story makes Horatio Alger look like an underachiever." -- Ken Roman, former CEO of Ogilvy & Mather.

"A bend in the road," says Ed Hajim, "is not the end of the road."

He should know. At the age of three, Hajim was kidnapped by his father, driven cross-country, and told that his mother was dead. He pressed his face against the car window, watched the miles pass and wondered where life would take him. It took him on a journey from one dire situation to the next, from one crowded orphanage to an unfamiliar foster home, from having one semi-present parent to having none. It was a daily struggle to survive.

Yet somehow, not only does Hajim make it through, but using his own grit and determination, he flourishes. His life comes full circle and he lives the American dream as an accomplished Wall Street executive and model family man with great moral fiber and the means to give back to a world that early on seemed intent on rejecting him.

Hajim's vivid memoir, On the Road Less Traveled: An Unlikely Journey from the Orphanage to the Boardroom, is several storylines in one: the improbable tale of how the author overcame the heavy odds against him as a child; the incredible ride up the corporate ladder to a stellar professional career; and a study in the drive, principles, philosophy and character of a man seeking his dream.

Hajim served as a senior investment executive at such firms as E.F. Hutton, Lehman Brothers and other financial institutions, regularly transforming fledgling operations into generating solid growth. He made contributions to the University of Rochester, eventually as chairman of its board. His life accomplishments were rightfully acknowledged in 2015 with the prestigious Horatio Alger Award.

Hajim took every experience as a learning opportunity. The Navy, for example, "trained me to become deliberate in everything I do. It showed me that every mission needs well-defined rules. And it showed me that no mission can be accomplished without a well-motivated team."

Throughout his career, Hajim was guided by his instincts to know when a situation had run its course and it was time to move on. "Sometimes it's better to sever ties and leave on your own, even if the next step is unknown," he writes. "That's often the road less traveled, but it's so worth the journey."

Says Renee Fleming, "On the Road Less Traveled is a moving, personal history that demonstrates the importance of being faithful to one's core values -- a road map for a life well lived."

NOTE: BookBites is a continuing series bringing readers information and ideas for their next read. For more reading ideas, visit BookTrib.com and subscribe to our weekly newsletter.

According to U.S. Census Bureau research projections (www.census.gov/content/dam/Census/library/publications/2015/demo/p25-1143.pdf), the United States will have a minority majority population by 2045 as Black, Latino and Asian-American communities grow. These traditionally underrepresented populations are not only growing in size, but they are also building greater wealth.

Purchasing power among people of color has increased exponentially since 2019. The annual buying power of Black consumers was estimated by Nielsen to be $1.3 trillion in 2019 -- a roughly 48 percent increase over 2010. Latino purchasing power grew by nearly 70 percent over the same period, according to the University of Georgia, reaching approximately $1.7 trillion in 2019. Additionally, the wealthiest fifth of Blacks -- more than three million households -- has an average wealth of $395,000, while the wealthiest fifth of Latinos households have more than $400,000 in average wealth.

The U.S. Census Bureau data indicates a large population that could benefit from financial planning advice as families generate more wealth. Research published by the Journal of Financial Planning found that Black and Latino households are less likely than white families to work with a financial planner, and an even smaller percentage of those households choose to receive comprehensive financial planning advice.

Financial advisors and their firms have an opportunity to reach these underserved groups and diversify their client base while providing a valuable and empowering service. One way to do so, according to the CFP Board Center for Financial Planning, is to ensure that the financial planning workforce reflects the diversity of wealth-building communities. It currently does not: Only about 4 percent of CERTIFIED FINANCIAL PLANNERTM professionals self-report as Black or Latino, whereas nearly 32 percent of the U.S. population identifies as Black or Latino.

The Center is leading a collaborative, profession-wide effort to implement sustainable diversity, equity and inclusion initiatives that can address this systemic challenge and foster greater diversity among financial planners.

Visit CFP.net/The-Center-for-Financial-Planning to learn more about the Center's diversity-focused initiatives and get involved.

Diversifying the financial planner workforce is a prudent strategy for financial firms seeking to diversify their client base.

"Financial Planner Use Among Black and Hispanic Households," by Kenneth J. White Jr, Ph.D., and Stuart J. Heckman, Ph.D., CFP®, Journal of Financial Planning, September 2016, pp 40-49 http://bit.ly/2NU627O

If you're able to use a whole room as a workspace, it can be outfitted fully with custom built-ins and decorated in appropriate style. Lisa Michael Interiors juxtaposes crisp white-painted hardwood cabinetry with navy-blue nautically inspired wallpaper and accessories in this shipshape Boca Raton home office. Visit www.hardwoodinfo.com for more about putting American hardwoods to work in your home.

1. FRESH & MINIMAL

Photograph: Rebecca McAlpin

In a Philadelphia house, designer Mel McDaniel uses three beech desktops, purchased at a local big-box store, to turn an alcove into a simple but effective workspace for two people. Vintage chairs, painted white, and a pair of residential table lamps complete the homey yet professional look. 

2. OFFICE IN A CLOSET

Photograph: Alan Tansey

For many homeowners, finding sufficient space for a dedicated office is a problem. One solution, even in a small apartment, is to transform a closet with hardwood built-ins. Michael K Chen Architecture shows how it’s done with this admirably compact yet surprisingly roomy example in a New York loft.

3. WORKING UNDER STAIRS

Photograph: Paul Barnaby

If you live in a multistory house, you may have a dark space under the stairs that could be made to look and function better. In Los Angeles, Hamilton Architects transform one such triangle into a bright home office with a built-in hardwood desk and a strategically placed window. 

4. THE ATTIC OFFICE

Photograph: Eric Roth

As Hutker Architects and designer Kathleen Walsh demonstrate in this farmhouse on Martha’s Vineyard, the height-challenged space under the eaves in an attic can be the ideal spot for a substantial work surface. Dormer windows bathe the custom oak-and-steel desking with daylight while also providing a view.  

5. THE FULLY FITTED OFFICE

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Photograph: Jessica Glynn Photography @jessglynnphoto

If you’re able to use a whole room as a workspace, it can be outfitted fully with custom built-ins and decorated in appropriate style. Lisa Michael Interiors juxtaposes crisp white-painted hardwood cabinetry with navy-blue nautically inspired wallpaper and accessories in this shipshape Boca Raton home office. Visit www.hardwoodinfo.com for more about putting American hardwoods to work in your home. 

Opening Day (complete with fans in the stadium) finally happened after a year off, and a stunning desktop replica of a favorite stadium brings team spirit and energy into your home, whether or not you -- or your favorite sports fan -- attends a game in person this year

Many sports stadiums, both old and new, are works of architectural elegance. The exquisite replicas from Westbrook Sports Classics present these iconic structures from a new perspective that lets fans enjoy the beauty of their favorite ballparks at home. The stadium reproductions measure approximately 7 by 7 inches, weigh approximately 10- 12 pounds, perfect for a desk, table, or bookshelf, and come with a protective acrylic case.

The models are designed and created by John Kimball Westbrook, an award-winning artist whose background includes both architecture and commercial art.

Westbrook also spent time in Washington, DC, on a scholarship to study with Italian stone carvers during the completion of the National Cathedral, where he developed his passion for sculpture. "Over the past 30 years, I have worked with different fine art mediums, including carving marble, granite, various semi-precious stones, bronze, wood, ivory, silversmithing, drawing and painting," Westbrook explains on his website.

The limited-edition ballparks are cast in a bronze composite and mounted on a natural black marble base.

Westbrook creates each mold by hand over a period of approximately two months. Fans will appreciate the attention to details, such as hand-painted seats and the use of tiny crystals inserted into light poles that refract light to give the appearance of the stadium at night.

The Westbrook Sports collection to date features 17 Major League Baseball stadiums, historic and current, including Fenway Park, home of the Boston Red Sox; Candlestick Park, the former home of the San Francisco Giants; the Chicago Cubs' Wrigley Field; and both old and new versions of Yankee Stadium.

All Major League Baseball trademark copyrights are used with the permission of Major League Baseball. Westbrook plans to expand the collection to National Football League stadiums, NCAA college stadiums, and British football (soccer) stadiums as well.

For more information and to view photos of stadium models, visit westbrooksportsclassics.com.

Gold and silver have a history as safe-haven investments, trusted units of account, and affordable media of exchange, according to the LODE Project, a company constructing a blockchain-powered gold and silver payments platform.

"LODE has utilized the innovative application of blockchain technology to give these metals a role in the digital economy," says Nick Prouten, an Ambassador at the LODE Project.

Both precious metals and cryptocurrencies have increased in popularity in recent times, as global uncertainty rose in the face of the pandemic. To hedge against the devaluation of the U.S. dollar, investors have sought these alternative assets to diversify their holdings and protect their wealth. Now, a solution has emerged that combines the two worlds.

LODE is mining the value of gold and silver by offering gold-backed stablecoin (AUX) and silver-backed stablecoin (AGX). Both products will make their debut on the Hotbit exchange in the second quarter of 2021, adding a new type of liquidity option to the precious metals market. Hotbit is a leading exchange with more than $46,800,000 in trading volume, according to Coin Market Cap.

Each AGX Coin represents one gram weight and measure of verifiable silver bullion, and each AUX Coin represents one milligram weight and measure of verifiable gold bullion, both securely held and independently audited in the LODE reserves.

The AGX and AUX Coins are developed and minted on the Syscoin blockchain platform, and their listing on the Hotbit exchange will facilitate gold and silver digital trading on a global scale. This development comes at an opportune time, as investor interest in metals and concerns of supply shortages are on the rise.

LODEpay also offers an app, the LODEpayWallet, to make digital transactions of gold and silver more accessible. The app allows users to send, spend, and store funds backed by digital silver and gold. In addition, users of the LODEpayWallet can obtain virtual credit cards that they can use to spend AGX and AUX anywhere that credit and debit cards are accepted.

Visit lodepay.com to learn more about metals-backed digital assets, and to test digital gold and silver by downloading the LODEpay Wallet via Google Play or the App Store.

For those just getting started, an Arizona-based real estate rewards and referral network company, RBN (Real Buyer Network), offers homebuyers added value to their purchase through its relationship with American Express.

Here's how it works: Homebuyers use an RBN participating agent for their home purchase and they can earn American Express Membership Rewards® points up to the purchase price of the home.

Larry and Myra of North Carolina recently earned more than 500,000 reward points with RBN. "We enrolled with RBN and were put in touch with Thomas Wohl, Broker, Realtor and it's probably the best decision we ever made. Thomas was not just interested in us buying a house, but rather we bought the RIGHT house for us." The home purchase itself follows the traditional real estate process of cash or mortgage financing.

Founder Kipp Lassetter says, before prospective homebuyers get started, before touring any homes, before interviewing any other agents or doing anything in the home buying process, they need to visit RBN's site.

"Choose from the most qualified participating agents, buy their home through the traditional real estate process and earn rewards. Using an RBN participating agent is a no-brainer."

Lassetter was inspired to found RBN after his own home buying experience, in which he struggled to find a real estate agent with expertise in local neighborhoods and a willingness to go the extra mile on service and support.

RBN fills this niche by partnering with the best local agents and rewarding homebuyers for selecting these agents.

"Each participating agent endures a rigorous vetting process that includes a one-on-one interview and review of sales performance," Lassetter says.

Home purchasers have already earned millions of rewards points using RBN participating real estate agents. If you don't have an existing American Express account, don't worry. The RBN virtual wallet tracks and maintains your points until you connect to an eligible account.

Visit joinrbn.com for more information and to connect with an RBN participating real estate agent in your area.