Retirement Planning Strategies November 2018

Get Your Grandchildren the Perfect Gifts

WITHOUT BREAKING YOUR BUDGET

‘Tis the season to flock to the stores to find the hottest deals on the coolest products just in time for the holidays. For older adults, however, braving a crowded parking lot and long lines can be a painful, difficult ordeal. Luckily, you don’t have to participate in this race to give your grandchildren presents they’ll cherish for years to come. Follow these steps to generate ideas for affordable, unforgettable gifts. STEP 1: MAKE A BUDGET Regardless of how much you’ve saved for retirement, you need to consider the

finances. The best way to establish a budget is to set aside a holiday fund including the total amount of money you’re comfortable spending. Divide that total by the number of grandchildren you have, and you’ll now know approximately how much you can spend on each gift. Remember, too, that many presents don’t have to come with a price tag. STEP 2: TALK TO THE PARENTS Parents are the best resource for ideas of what is and isn’t an appropriate gift. They can tell you what each child is interested in, as well as list any gifts to avoid. Parents’ insights will prove invaluable when it comes time to make a decision, especially because different parents have varying ideas of what’s acceptable. STEP 3: GIVE AN EXPERIENCE Consider giving an experience-based gift rather than a toy or material object. Maybe

you want to give all of the children in one family tickets for a getaway. Perhaps you want to accompany them to a museum or sporting event. No matter the experience that fits your family best, these gifts can create lasting memories for everyone. STEP 4: ADD A THOUGHTFUL TOUCH After you’ve purchased all of your gifts, take the time to add something personal to each of them. A handwritten letter, old photos, or other mementos could end up having just as much of an impact as the gift itself. It will also let the child know that you’re thinking of them, which is especially meaningful when you can’t spend the holidays together. STEP 5: HAVE FUN Buying gifts for your grandkids should be a joyful experience and a way to express your love. That’s what matters most of all.

Train Your

BRAIN!

Chipotle-Roasted Carrot Salad

INGREDIENTS

Inspired by Food & Wine magazine

• 2 tablespoons extra-virgin olive oil • 4 ounces watercress, stems trimmed • Plain Greek yogurt, for serving • Kosher salt and fresh ground pepper, to taste

• 30 small carrots (2–3 bunches), tops removed and carrots scrubbed • 2 chipotle peppers in adobo, minced • 1 teaspoon adobo sauce from the chipotle can • 1 tablespoon molasses

DIRECTIONS

1. Heat oven to 350 F. In a rimmed baking sheet, toss carrots with chipotle peppers, molasses, and olive oil. Season with salt and pepper, and roast for 30–35 minutes. 2. Transfer carrots to a plate and let them cool completely. 3. Once cooled, toss carrots with adobo sauce. Lay across a platter, and top with watercress. 4. Serve alongside yogurt.

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