CD Financial November 2019

PRST STD US POSTAGE PAID BOISE, ID PERMIT 411

INSIDE 1 30270 Rancho Viejo Road Suite D San Juan Capistrano, CA 92675

The Trouble With Long-Term Care Insurance

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Gratitude-Themed Games for Kids The 1995 Rugby World Cup The Legend of Sergeant Reckless The Best Leftover Turkey Sandwich

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Adventure Like a Scandinavian

THERE’S ‘SNOW’ PLACE LIKE SCANDINAVIA Embrace Winter Like a Pro

Scandinavian countries like Sweden and Denmark have long topped lists of the world’s happiest people. This may seem

anymore, give Nordic skiing a try. It’s less stressful on your body but still a challenging, fun way to enjoy a beautiful day outside.

Dress for Warmth There’s no such thing as bad weather, only poor gear. The Fins embrace this mentality wholeheartedly by trekking in subzero temperatures. The key is proper layering. Start with warm base layers that retain heat while allowing air to circulate. Skintight spandex isn’t very effective, so try thermal underwear or wool instead. On top of your base layer, add fleece and then down. If you’ll be somewhere with a lot of moisture, make sure your down is synthetic and waterproof. Your extremities get cold the quickest, so keep them warm with a buff, cozy gloves, hats, and wool socks, layered as needed. OneWord: Sauna Just because it’s cold out doesn’t mean you need to be too. A day on the slopes would not be complete without a sauna. In Finland, Sweden, and other Nordic countries, taking a sauna is considered a daily ritual for its purported health-boosting and mood-boosting benefits. Age and Ageing health journal has found evidence linking sauna use to a lowered risk for Alzheimer’s disease and dementia.

strange considering these countries can spend half the year in darkness; dusk sets in around 2 p.m. for some Nordic cities in the wintertime. The Scandinavians’ positive outlook on winter likely contributes to their happy demeanors year-round. Instead of looking at the winter months as something to endure, these folks embrace the season and find ways to enjoy it. Here are a couple ways to emulate their attitude.

Try Nordic Skiing If you’re a seasonal runner but it’s too cold to enjoy your go-to activity this winter, it’s time to

diversify. Skiing isn’t the only wintertime option, either. There’s ice skating, ice climbing, and snowshoeing, to name a few. If your knees can’t take downhill skiing or snowboarding

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