Mattson Financial Services - December 2018

F I N A N C I A L S E R V I C E S , L L C

616-514-3831

www.MattsonFinancial.com

December 2018

GIVE THE GIFT THAT KEEPS ON GIVING

With the holiday season upon us, it’s a great time to reflect on our blessings. This year, our family was blessed with the birth of a granddaughter. She’s been a bright spot in our 2018 memories. That said, we have had other blessings that are harder to comprehend. With new life means new loss, including the losses of close family members —which reminds me of that general feeling that getting older brings. Yet, we count the blessings we had with those who are no longer with us, and we reflect on the good times of years past. We also recognize that for some, 2018 was a struggle. While we forged new relationships as we brought on new clients, we also lost some clients who were very dear to us. It doesn’t matter if you are 18 or 80, when you lose someone you’re close to, or when the relationship ends, it changes you. No matter what we may tell ourselves, there really is no way to fully prepare for the loss of a spouse, a child, a parent, or a friend. It’s something we all have to go through because it’s a part of life. When you’re going through something like this, as many people do each and every day, it’s not the time to make hard decisions. To avoid this, I encourage you to give the gift that will keep on giving. What do I mean by this?Well, it’s twofold. First and foremost, make sure your family members are fully aware of your health care wishes. Put your wishes down on paper, and

make sure that paper is accessible should you be unable to communicate those wishes later on.

things she remembers about us as children. They’re the memories that define us through her eyes and what makes our individual relationships with her unique. As you reflect this holiday season and count your blessings, set some time aside to write down your thoughts about your family members. Put that relationship into writing, and keep it somewhere safe so one day your family will have the gift that keeps on giving. Frommy family to yours, Happy Holidays! May you and your family enjoy all the blessings this season has to offer. Thank you for allowing us to be your advisors and to be a part of your family. –Gary Mattson

This allows your family, as well as us, your advisors, to follow your wishes. Everyone should document explicit instructions on how to proceed. This way, there’s no confusion, and it alleviates stress on everyone involved. Secondly, andmore importantly, I want to address a gift that truly keeps on giving: the letter. My mom, who is 94 years old, recently updated her letters. These are documents she first drafted about 15 years ago— letters to her children that are not to be opened until after her passing. In each letter, she wrote down special thoughts on what she remembers most about her children. There are humorous moments, the strengths she sees in each of us, and simply

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HOW TO SPOT FRAUD THIS HOLIDAY SEASON STOP DONATING TO SCAMMERS

FEELING PRESSURED? WALK AWAY. A lot of charities set goals they want to reach before the new year, but even groups that are hoping to raise a certain amount of money know better than to pressure donors into giving. Donations should always come from the heart, and it’s a bad sign if someone insists there’s a deadline for giving. As the Better Business Bureau says, “Responsible organizations will welcome your gift tomorrow as much as they do today.” ONLY GIVE TO REPUTABLE CHARITIES. Do some research before donating to charities. Look up any prospective charity on Charity Navigator at CharityNavigator.org. This service flags“high concern”organizations suspected of fraud and ranks how reliable established charities are. Even legitimate organizations can be misleading about how they spend their donations. A good rule of thumb is to avoid organizations that spend more than 25 percent of donations on salaries or administrative costs.

During the season of giving, charities receive a much-needed rush of donations as people open their hearts to others. Unfortunately, criminals are all too willing to abuse this goodwill. According to a report from the Justice Department, Americans over the age of 60 lose over $3 billion a year to scams and fraudsters. As charity scams reach their peak, here’s what you need to do to ensure your donations aren’t lining the pockets of criminals. NEVER GIVE BY PHONE OR EMAIL. Charities regularly reach out to past and potential donors through traditional mail, email, phone calls, or text messages. This means fraudsters will mimic their approach with less noble intentions. Because it’s impossible to determine who is on the other end of a call or email, you should never hand over your credit card information to strangers. If you really are speaking to a representative from a legitimate charity, they will direct you to a secure avenue where you can give without worry.

CHIP AND DAN HEATH’S ‘MADE TO STICK’

Uncovers What Makes Ideas Matter

Have you ever wondered why certain stories that have no basis in fact get passed around like wildfire? Whether they’re rumors, urban legends, or conspiracy theories, these tales can often gain more traction than important ideas and facts. In their book “Made to Stick: Why Some Ideas Survive and Others Die,” Chip and Dan Heath explore the qualities that give ideas relevance and pass-around value. “An accurate but useless idea is still useless,” they write. This point is key to understanding why people get excited about certain ideas and ignore others. The Heaths argue that the presentation of ideas can have just as much of an impact on their “stickiness” as the content of the ideas. After analyzing hundreds of examples, they note, “We began to see the same themes, the same attributes, reflected in a wide range of successful ideas.” “Made to Stick” explains those attributes using myriad examples to illustrate how stickiness works in the real world. Early in the book, the Heaths share six key principles, demonstrating how good ideas are made valuable and

exciting by their simplicity, unexpectedness, concreteness, and credibility; are capable of rousing emotions; and are often presented in the form of stories. While these principles are relatively straightforward, they are often subverted in an effort to use business jargon and other neutered forms of language. as an example of a compellingly relayed idea. “Had John F. Kennedy been a CEO, he would have said, ‘Our mission is to become the international leader in the space industry through maximum team-centered innovation and strategically targeted aerospace initiatives,’” they explain. Nobody would have been excited about that. If you’ve ever thought that you had a great idea but couldn’t get your employees to buy into it, a lack of stickiness may be the cause. Understanding how to present your ideas in an inspiring way could unlock the key to increased productivity and growth like you’ve never achieved before. The Heaths deploy John F. Kennedy’s famous speech about putting a man on the moon

The next time you present an idea to your team, a group of conference attendees, or any other audience, ask yourself if that idea will stick. If it won’t, you’re just wasting your time. If you need a little guidance on how to make your ideas punch a little harder, “Made to Stick” should be on your holiday book list.

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Instagrammodels and fitness specialists flood social media feeds with nutrition tips and tricks, but amid the blur of muscled selfies and misguided dieting advertisements, it’s hard to determine what is actually healthy. Arm yourself with the following knowledge about tricky food ingredients, and always question diet fads blasted on social media. DEVIOUS DRINKS There’s actually no scientific evidence to suggest“performance- enhancing”drinks will make you a better athlete. If you drink sports drinks regularly, you’re actually filling your body with unnecessary sugars and additives. Furthermore, common fruit juices contain a lot of sugar, and skim or fat-free milk contains additives that eliminate the full feeling whole milk provides you. SNEAKY SNACKS Food marketing labels use the latest diet trends to twist consumers into thinking they’re making smart choices simply because something is labeled“organic”or“low-fat.”Next time you’re shopping for a quick snack, be mindful when grabbing trail mix, yogurt, granola, microwave popcorn, or protein bars. These items are often falsely advertised as healthy options, and while they may contain some nutrients, most people don’t adhere to the listed serving size. When you eat more than recommended, you could be offsetting the nutritional benefits. LETTUCE LIARS Yes, even salads can be misleading when it comes to dieting. Salad dressing is a yummy way to make a salad more exciting, but it should be doled out in limited quantities. Unfortunately, most prepackaged salads do not limit dressing portions. A pool of ranch dressing over lettuce will limit the benefits you’ll get from the healthy greens. Additionally, nuts, cheeses, and seeds can be healthy and tasty on your salad, but they should also be eaten in moderation. DINNERTIME DECEPTION Your California roll may be hiding more than you think. Sushi is usually rolled in sugar-loaded and carbohydrate-heavy white rice. Aside from the white rice, the more intricate rolls often include toppings and condiments best savored in moderation. If you think you can avoid fried and greasy options by ordering a veggie burger, think again. These meat alternatives often contain another unhealthy dose of rice and are fried or baked in processed oils. While this information may send you into a panic about finding healthy foods, remember to stick to natural, low-additive foods, monitor your portion sizes, and create homemade alternatives to some of your favorites. You don’t have to compromise on taste to get the most nutrition out of your meals. Try cooking your favorite foods from scratch and avoid the consequences of misleading ingredients. Misleading Ingredients You Should Avoid HEALTHY FOOD FAUX PAS

There are many amazing charities and organizations that do good work. Stay vigilant to make sure you are bringing joy to the world and not falling for a criminal looking to make a quick buck.

MARY’S BUTTERY ROASTED CHESTNUTS

Inspired by Bon Appétit

Ingredients

• • • •

2 pounds fresh chestnuts, unpeeled

Pinch of freshly ground nutmeg

2–3 sprigs rosemary

1/2 cup unsalted butter, melted

Freshly ground black pepper, to taste

2 teaspoons kosher salt, or more to taste

Directions

1. Heat oven to 450 F. 2. Place a large sheet of foil on a rimmed baking sheet. 3. On a large, flat workspace, place chestnuts flat side down. Using a sharp knife, carve an X on the rounded side of each chestnut. 4. In a large bowl of hot water, soak chestnuts for 1 minute. 5. Pat dry and transfer to a medium bowl. Add rosemary, butter, salt, pepper, and nutmeg. Toss to coat and transfer to baking sheet. Arrange in a single layer. Gather the edges of the foil together, leaving an opening at the top.

6. Roast until peels curl up, about 30–45 minutes. 7. Transfer to a platter and serve while hot or warm.

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F I N A N C I A L S E R V I C E S , L L C

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3226 28th Street SE Kentwood, MI 49512 INSIDE THIS ISSUE

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The Gift That Keeps on Giving

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Scammed for the Holidays A Guide to Making Ideas Stick

Mary’s Buttery Roasted Chestnuts Misleading Foods to Avoid

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Everything You’ll Need for an Ugly Sweater Christmas

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

Investment advisory services are offered through Mattson Financial Services, LLC, a Registered Investment Advisor in the state of Michigan. Insurance products and services are offered through Lakeview Financial Group, LLC. Mattson Financial Services, LLC and Lakeview Financial Group, LLC are affiliated companies.

Ugly Sweater Parties A FUN TREND YOU CAN EASILY FOLLOW!

WHAT EXACTLY IS AN UGLY SWEATER PARTY? It’s rather simple — slip on your favorite Christmas sweater, gather all your friends and family members, make sure there are plenty of refreshments and games, and you’re guaranteed to have a top-tier party. A few ugly-sweater- themed games that should be on the agenda include an ugly gift exchange, which is similar to the white elephant exchange, except with the gaudiest gifts you can find; an ugly photo booth, complete with terrible, tacky props; and, of course, an ugly sweater contest. This is the only time of year when slipping into a lurid red sweater with a stuffed Santa sewn on the front is considered trendy. So adorn yourself in the frumpiest, tackiest sweater you can find, and have some fun this December!

It’s speculated that the first ugly sweater party took place in Vancouver, Canada, back in 2001. Since then, the trend has become one of the most popular holiday party themes. Come Thanksgiving, you’ll start to see racks in all types of clothing stores lined with hideous sweaters. If you’re ready to jump on the ugly-sweater-party bandwagon this Christmas season, here are a few things to keep in mind. YOUR VERY OWN UGLY SWEATER Ugly sweaters come in all shapes, sizes, and prices. You can head to H&M or a local thrift store to pick one up. However, if you have a sweater that’s been cozied up for years in the back of your closet or a drawer, now’s your chance to give it new life. Arm yourself with a hot glue gun, thread, and needle, and patch Santa, Rudolph, or Frosty on it. And let it be known that an ugly sweater isn’t complete without sparkles, beads, and sequins galore.

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