Trinity Elder Law - November 2019

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W hether you’re banking with a credit union or a national giant, your financial institution likely offers more resources, account options, and saving plans than you’re using — or even aware of. As one NerdWallet article puts it, “Banks and credit unions continue to find new ways to both delight and confound customers.” If you focus on the delights, you can get more bang for your buck out of the financial institution you’re already using. Plus, there’s a good chance you’ll pick up new ways to stretch your retirement fund, grow your investments, and pass nest eggs to your grandkids along the way. Take these two easy steps to get started. 1. Get Clicking Even for someone with plenty of internet savvy, bank websites can be intimidating. Most are filled with tabs and portals that overwhelm customers, causing them to limit their interactions to plugging in a username and password to check their balance. Don’t fall into that trap! If you want to get a complete picture of what your bank has to offer, its website is the place to start. Next time you log in, set aside an hour or two to explore the site tab by tab. Take note of products and services you might not be using, like mobile banking apps, 24-hour hotlines, continuing education, and additional account options and their interest rates. Schwab, for example, offers a free online learning center complete with seminars, one-on-one financial advice, and more than 300 informative articles and videos. 2. Schedule a Sit-Down If your bank has a brick-and-mortar location near you, make a point to visit it. While there, take the time to learn about the latest updates from the reading materials on offer, make an appointment with a financial analyst, or speak with a bank teller. It’s in your bank’s interest to see your accounts grow, so representatives are happy to help. If you’ve already explored your bank’s website, this is the time to ask follow-up questions on what you found or make a financial move in a new direction. Whether you’ve decided on a 529 plan or a high-interest checking account, your banking representative can make it happen. HOW TO TAKE FULL ADVANTAGE OF YOUR FINANCIAL INSTITUTION

BURNISHED POTATO NUGGETS There are countless ways to prepare potatoes, but not all are created equal. For irresistibly crunchy outsides and deliciously creamy insides, try this recipe. The result is sure to be the star side at your Thanksgiving table. As the cold weather approaches, we’re all starting to bundle up, but what about our pets? Our pets may have amazing fur coats, but they can only protect from the elements so much. To avoid any unnecessary vet visits, here are a couple helpful tips to ensure your fur baby is nice and warm this holiday season. Multiple Layers Lower temperatures can overwhelm an animal’s heat regulation, so if their fur gets wet from rain or snow, they lose the ability to insulate. When they can’t keep their bodies warm, their extremities, like their ears, nose, and toes, are vulnerable to frostbite. To give your pet proper insulation, put a coat or sweater on them before venturing outside. That said, just like wet fur, wet clothing could give your pet hypothermia, so be sure to remove any sweaters after stepping inside. While they’re outside, beware of salt spread, as salt can burn the pads of your animal’s feet. Try slipping baby socks onto their paws when they’re inside to get them used to wearing shoes or booties.

INGREDIENTS:

5 lbs russet potatoes, peeled and cut into 2-inch pieces 1/2 cup extra-virgin olive oil

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8 cloves garlic, crushed 2 sprigs rosemary Kosher salt, to taste

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1/4 cup vegetable oil

DIRECTIONS:

1. Heat oven to 425 F. 2. In a large pot, pour water over potatoes to

cover by 2 inches. Salt water and bring to a boil over medium-high heat. Reduce heat and simmer gently for 10 minutes. 3. Thoroughly drain potatoes and let stand for 10 minutes. Toss gently and season with salt. 4. Meanwhile, combine both oils in a large pan and heat in oven for 10 minutes. 5. Remove pan from oven and add potatoes, turning to coat thoroughly. Return to oven and cook for 30 minutes, turning every 10. 6. Toss in garlic and rosemary and finish cooking for 8–10 minutes. 7. Drain and serve. Inspired by Bon Appétit

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