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FEBRUARY 2019
Garry F. Liday Corporation FINANCIAL COACH
RETIREMENT ASSET MANAGERS, INC. A Registered Investment Advisory Firm (RIA)
IT’S A COMMITMENT! Lessons From 36 Years With Louise
In November, Louise and I celebrated our 36th anniversary, which means our union has lasted longer than three-quarters of married couples in this country. That’s no small achievement, and we’re happier now than we’ve ever been. Some of this comes down to being lucky in love for sure, but I also think some of it is the result of the way we approach married life. In honor of Valentine’s Day, I figured I’d share some of the lessons we’ve learned over three-plus decades together. We had a bit of a head start on learning how a partnership works because we both graduated from the school of hard knocks with a degree in “failed first marriage.” Nobody wants to get divorced — I can tell you from experience that it is the antithesis of a good time. That said, if you do end up having to separate, you should use it as a learning experience. Everyone deserves a second chance to get it right. Now, if you’re on marriage No. 5 or 6, maybe what you should’ve learned by now is that you’re not suited for wedded life. In my case, the first thing Louise and I promised each other was that we’d be committed. Whether you opt for traditional vows or write your own, I’m guessing there’s something in there about sticking together through thick and thin. I’m not saying you should stay in a toxic or hopeless situation, but you can’t head for the hills at the first sign of trouble. Expecting a totally smooth marriage is as foolhardy as assuming you’ll never catch a cold. When we do encounter an issue, we discuss it frankly and openly. Wounds fester when you don’t address them, turning easily correctable problems into relationship-threatening issues. I mess up all the time, as all humans do. Louise is always there to point me in the right direction when I err. If it’s a bigger grievance, she’ll tell me in no uncertain terms what I did wrong and how to be better. These conversations aren’t always fun — who likes being told they screwed up? — but they always result in our bond becoming stronger and our days becoming more enjoyable.
There’s also so much I admire about Louise, and I attribute some of our success to her personality. She possesses skills I could never dream of having, makes me a better man, and teaches me new things all the time. One innate talent she has that I’ll never be able to master is her intuition. She can meet somebody one time and get a solid read on them. I have certainly wished I had recognized the characteristics of certain people — both good and bad — that she was able to pick up on in an instant. I guess there are some tricks you really can’t teach an old dog like me.
As Louise and I celebrate another Valentine’s Day together, there may be some chocolates and flowers in order. But if I choose the wrong stuff, I’m sure to hear about it — and that just may be the greatest gift of all. – Garry Li day
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INTEGRITY, RELIABILITY, & COMMITMENT
Tips to Keep Memory Sharp and Improve Cognitive Function STRENGTH OF MIND
Irish poet Oscar Wilde once called memory “the diary that we all carry about with us.” Of course, in Wilde’s time, the average life expectancy was less than 50 years old. As modern medicine continues to enable people to live longer, these “diaries” tend to become muddled. Fortunately, there are ways to counteract the natural dulling of our memory that comes with time. PUZZLE YOURSELF Just like any other muscle, our brain needs a workout in order to stay strong. As Dr. Celeste Robb-Nicholson of Harvard Medical School writes, “Challenging your brain with mental exercise is believed to activate processes that help maintain individual brain cells.” Activities like solving puzzles, learning a musical instrument, or picking up a new hobby work wonders to keep your mind active and your memory sharp. These mental exercises are especially important after retirement, often to make up for the loss of stimulating challenges that work used to provide.
GET PHYSICAL Taking care of our physical health has also been shown to help brain function. According to a study by Sydney University in Australia, aerobic exercise is particularly good at jogging our memory. The researchers note that “aerobic exercise acts by preventing the usual decrease in neurogenesis associated with aging, thus resulting in greater retention of neural matter — particularly in the hippocampus.” In short, exercises like swimming and running keep the part of our brain responsible for memory from shrinking. SPEND TIME WITH FRIENDS AND FAMILY Humans are social creatures. Many studies have shown that being a part of a supportive social group can significantly benefit our physical and mental health. In fact, the American Journal of Public Health reports that people who have daily contact with friends and family cut their risk of dementia and mental impairment almost in half. Our mental diaries may be longer and fuller than they were in Wilde’s day, but if we fill those pages with hobbies, exercise, and close friends, our memories will remain sharp and vivid for the rest of our days.
WHAT DO YOU REALLY KNOW ABOUT GROUNDHOG DAY? 3 Myths About Our Favorite Furry Meteorologist
Despite the fact that most, if not all, meteorologists place little value on a furry marmot’s ability to predict an early spring, the annual tradition of Groundhog Day is still one that millions of people love to celebrate. Because it is based more on folkloric legend than scientific evidence, Groundhog Day is associated with shams and spoofs of varying degrees. There are many myths regarding the tradition as well as the famous Punxsutawney Phil himself.
a precaution to ensure everyone’s safety. In 2009, New York Mayor Michael Bloomberg was bitten through his glove, and subsequent Mayor Bill de Blasio dropped his groundhog in 2014. MYTH 3: PHIL IS THE ONLY FAMOUS RODENT. While Phil is probably the most well-known ground-dwelling meteorologist, he is not the only groundhog with weather predicting abilities. For example, General Beauregard Lee is the weather predictor for the city of Lilburn, Georgia. Staten Island Chuck takes care of the New York territory, and Lancaster, Pennsylvania, has three groundhogs of its own, which is probably due to its rich Pennsylvania Dutch history. Canada has even started a Groundhog Day tradition with Shubenacadie Sam in Nova Scotia and Balzac Billy in Alberta.
MYTH 1: THE PREDICTIONS ARE ACCURATE. Many event-goers put a lot of faith in Punxsutawney Phil’s predictions. Unfortunately, he is more likely to be wrong than right. According to studies based on Phil’s predictions and the weather patterns that follow, it seems Phil’s predictions receive an accuracy rate of only 39 percent.
Even though Groundhog Day is a holiday based on many myths, it still provides a great time for event-goers all across the
MYTH 2: GROUNDHOG DAY IS HARMLESS. Much like humans, most groundhogs don’t
like being suddenly jostled out of their sleep. Their frustration often leads to them biting their handlers. For this reason, the handlers usually wear heavy gloves to protect themselves. However, that isn’t always enough of
world. You might not be able to fully trust Phil’s predictions, but the superstition and mystique associated with this unique and festive day make it one you shouldn’t skip out on.
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BREAKING THROUGH THE
TV TERMINOLOGY
4K, HDR, and OLED Defined
When you shop for a new TV these days, you’re greeted with a bevy of acronyms and numbers — marketing terms you can’t make sense of. These are terms like 4K, HDR, and OLED, just to name a few. TV makers leave it up to you to figure out what these terms mean. Well, look no further. We’re going to cut through the marketing speak and get to the point. Here’s what today’s popular TV marketing terms really mean. 4K The TV buzzword “4K” has replaced “HDTV” and “1080p” as the go-to marketing term. In short, it’s a reference to the number of pixels on the screen. Standard high-definition TVs (1080p) have a vertical resolution of 1,080 pixels and a horizontal resolution of 1,920. Here’s where it gets weird. 4K TVs have a vertical resolution of 2,160 pixels with a horizontal resolution of 3,840. Marketers decided to swap the vertical resolution as their reference point with the horizontal resolution, because higher numbers are more impressive, right? But 4K TVs seem to fall short of the moniker. Regardless, these TVs have improved color and image quality over standard HD, but you have to have devices — such as the PlayStation 4 Pro or a Blu-ray player — or services that output in 4K to take advantage of the boost in pixels. HDR High Dynamic Range, or HDR, is a type of image processing. When an image is processed, HDR is used to increase or decrease the luminosity of the image. It means bright whites, deeper blacks, and improved colors overall. It’s been used in photography for decades and in video since the 1990s. Most 4K TVs have built-in HDR processing, resulting in better color quality, which translates to better image quality overall. OLED Short for organic light-emitting diode, OLED TVs feature a microscopically thin layer of an organic compound that emits light when an electric current is introduced. Typical LED TVs rely on a backlight in order to produce a lit, visible image. These backlights take up space, resulting in a thicker TV. The major advantage of OLED TVs is they are incredibly thin and light, and they produce deeper blacks for an improved color and image quality.
For a sinfully delicious Valentine’s Day dinner, turn to this classic Italian steak preparation. It’s simply flavored with rosemary and lemon, allowing the meat to take center stage. BISTECCA ALLA FIORENTINA
Inspired by Saveur magazine
INGREDIENTS
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2 bone-in porterhouse steaks
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1/4 cup olive oil
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2 sprigs rosemary
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Kosher salt and fresh ground black pepper, to taste
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Lemon wedges, for serving
INSTRUCTIONS
1. 30 minutes before cooking, remove steaks from fridge to bring them to room temperature. 2. Heat a grill or large cast-iron skillet to high. While heating, brush steaks with half the oil and season liberally with salt and pepper. 3. Place steaks on the hottest part of the grill or pan and cook for 5 minutes. 4. Flip steaks and baste with remaining oil, using rosemary sprigs as a brush. If cooking in a pan, place sprigs next to steaks after basting. 5. Cook for 5–6 minutes for medium-rare. 6. Let steaks sit for at least 5 minutes, slice against the grain, and serve with bone.
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Garry F. Liday Corp. Retirement Asset Managers, Inc. A Registered Investment Advisory Firm (RIA) 15405 SW 116th Ave., Suite 103A King City, OR 97224
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Inside This Issue The Learning Experience That Is Marriage page 1 3 Ways to Improve Your Memory page 2 3 Myths About Our Favorite Furry Meteorologist page 2 3 Terms You Need to Know Before Buying a New TV page 3 Bistecca Alla Fiorentina page 3 The Most Iconic Super Bowl in NFL History page 4
ONE FOR THE AGES How Super Bowl XXXIV Made an Icon Out of a Grocery Store Clerk
Going into the 1999 NFL season, no one expected anything from the St. Louis Rams. When starting quarterback Trent Green went down with a gruesome knee injury in the preseason, ESPN The Magazine slated the Rams to be the worst team in the NFL that year. With few options, coach Vermeil named a virtually unknown player as his new starting quarterback, humbly stating in a press conference, “We will rally around Kurt Warner, and we’ll play good football.” Five years before his start, 22-year-old Kurt Warner was stocking shelves at a Hy-Vee grocery store in Cedar Falls, Iowa, for $5.50 an hour. However, he had amassed a whopping 16 snaps in the NFL prior to taking the reins for the 1999 season, and what proceeded to transpire on the field was utter pandemonium, giving the Rams the nickname “The Greatest Show on Turf.” This improbable season and the resulting MVP award for Warner set the stage for one of the most dramatic games in Super Bowl history. After going up 16–0 against the Tennessee Titans in Super Bowl XXXIV, Warner and the Rams looked poised to coast on their way to the Lombardi Trophy, but the late Steve McNair and the Titans had different plans. The Georgia Dome was rocking after two Eddie George touchdown runs, and a field goal brought the Titans level at 16–16, with just over two minutes of play
remaining. In response, Warner dropped back and found receiver Isaac Bruce for a 73-yard touchdown, bringing the score to 23–16 with 1:54 left on the clock. But the Titans weren’t done fighting. Quickly moving the ball down the field, Titans quarterback Steve McNair found himself with a third and 5 inside the Rams 30-yard line with 22 seconds left. Scrambling around and fighting off two players trying to pull him down, McNair threw the ball to Kevin Dyson at the 10-yard line. A quick timeout left six seconds on the clock, and the Titans were one play away from tying the game. What proceeded was a play that will be forever known as “the tackle.” McNair found Dyson on a quick slant, and when he caught the ball at the 4-yard line, it appeared a touchdown was imminent. Suddenly, linebacker Mike Jones wrapped the receiver up at the hips. As he fell to the ground with the ball in his hand, Dyson extended his arm, but when he hit the AstroTurf, he was 1 yard short of the goal line. The Rams had pulled off the impossible, earning their first Super Bowl title ever.
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