Mattson Financial Services - January 2023

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FINANCIAL SERVICES, LLC

3226 28th Street SE Kentwood, MI 49512

INSIDE THIS ISSUE

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Who Are You Investing For?

3 At-Home Stretches to Help Your Hands!

‘The Intelligent Investor’ by Benjamin Graham

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Karren’s Creamy Caramelized Banana Oatmeal

Upcoming Events

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Brushing Up on Cruise Etiquette

**Reminder: If you have any changes to your financial situation, please notify us as soon as possible.

Know Your Cruise Etiquette Before Setting Sail Investment advisory services offered through Mattson Financial Services, LLC, an SEC-Registered Investment Advisor. Insurance and annuities offered through Lakeview Financial Group, LLC. Mattson Financial Services, LLC and Lakeview Financial Group, LLC are affiliated companies. ALL ABOARD!

Know what to wear. Some cruise lines aim for a fancy atmosphere, while others prefer a casual approach. Ideally, review the dress policy before you book your trip. Bring at least one formal outfit in your luggage for dinner,

“saving” a seat by putting a towel on it and then wandering away for breakfast or a mani-pedi is the best way to get on your fellow travelers’ bad side. Your cruise may also have a policy against it. Going to the bathroom is one thing; you’re only human. Otherwise, if you want the seat, stay in it. Be on time. Treat your cruise ship like an airplane — if you’re not on time, it’s probably leaving without you. And if you are lucky enough to have the ocean liner wait, your fellow passengers won’t look at you kindly. Set your watch to ship time (not local time) and prepare to be back an hour before the deadline. That way, if you happen to be late, you’ll still be on time. You may miss out on an extra drink or souvenir shop, but nothing will ruin your cruise faster than being left behind at the dock.

After a slump in 2020 and 2021, cruises are back in a big way. If you’re planning your first onboard adventure — or it’s been a while since you last set sail — now is the time to brush up on your cruise ship etiquette. Every passenger should read their cruise line’s policies to ensure they know all the specifics before climbing aboard. In the meantime, we’ve listed some of the most essential do’s and don’ts for the savvy traveler.

which tends to have an upscale vibe. The rest of your cruise wear should be casual but tasteful, leaving you looking put together. Most importantly, don’t overpack — the stateroom is smaller than you think. Don’t be a chair hog. Everyone wants a prime spot on the sundeck, but you’ve got to rise early in the morning to get one. That’s fine if you can manage it, but

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