Garry F. Liday Corporation January 2019

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Garry F. Liday Corporation FINANCIAL COACH

RETIREMENT ASSET MANAGERS, INC. A Registered Investment Advisory Firm (RIA)

PREPARING FOR THE FUTURE Is a Financial and Mental Activity

At the beginning of the year, we all look forward to the adventures awaiting us over the next 12 months. When you get to be my age, those adventures get less and less grand — don’t expect me to go skydiving any time soon — but they’re still every bit as meaningful. I firmly believe that no matter where you’re at in life, maintaining a combination of preparation and open- mindedness will help you deal with life’s unexpected surprises, as well as the expected ones. To speak to the preparation point, I want to relay a funny conversation I recently had with a client. Though we’re not an attorney’s office and do not give legal advice, I often discuss estate-planning measures with my clients. Not long ago, I was proposing the idea of setting up a will for one of my clients: a woman in her 80s who’d been putting it off or a long while. This conversation was probably the fifth time we’d broached the topic, but she had a new perspective on this occasion.

That being said, you can’t prepare for or control every aspect of your life. Along with your planning, you have to be willing to go with the flow from time to time. That’s especially true as you get older because your life can change swiftly during your later years. You may leave the home you’ve lived in for decades, see your health falter, or take on a new role in your family. I experienced this transformation for myself during last year’s Thanksgiving. Louise and I have taken less of a key role in the proceedings over the past few years. That’s great in terms of not having to cook or clean, but it also means we can’t dictate what ends up on the table. Sure, it’s a little weird to see the dishes you’ve been eating for your entire adult life go the way of the dodo, but there’s no use crying over it. While I was bummed to not see some of my favorites, I viewed it as a chance to try new things and enjoy a new type of Thanksgiving. I even got to sample some “hippie food.” Even though I don’t think I’ll be craving it anytime soon, it was fun and made the holiday feel unique and fresh. All of this is to say that handling life’s transitions isn’t always easy. When I help people plan, the work is just as mental or psychological as it is financial. As we kick off 2019, I encourage you to prepare for the year while leaving a healthy amount of room for the unanticipated. Balancing those two concepts will leave you ready for whatever life may throw at you. – Garry Li day

“My friend recently completed her will,” she told me. “She was dead less than a week later.”

“Well, it’s a good thing she finished her will then,” I told her. “Don’t you think you should do the same?”

“No,” she replied firmly. “I don’t want to end up like my friend.”

I couldn’t believe it. We had taken the exact same story and viewed it in opposite ways. At first, I didn’t understand my client’s reaction and chalked it up to silly superstition. Eventually, though, I came to sympathize with her perspective. Having conversations about what will happen when you’re gone or when you retire — or after any major life change, for that matter — is scary and uncomfortable. It’s easier to stand pat and go about your routine ignorant of what’s coming on the horizon. But I think if we can look at the above story objectively, we see that being prepared is a lot better than the alternative.

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During the winter months, colds and the flu can spread like wildfire. Getting sick at least once during the season can be hard to avoid, and once you are sick, you want nothing more than for it to be over and done. While there is no way to completely avoid getting sick, there are ways to speed up your recovery. Next time you’re suffering from a cold, try these remedies to get back on your feet a little bit faster. ELDERBERRY SYRUP Also referred to as elderberry extract, this syrup is made from a plant called European elder. It can be purchased at many health food stores or made at home (but use caution when doing this, since raw and undercooked elderberries are toxic). Many people swear by the berries’ ability to ease congestion and relieve a number of other cold symptoms. Plus, elderberry syrup is known for having anti-inflammatory and antiviral properties, making it an ideal tool for fighting the common cold. Some research even suggests that it can shorten flu symptoms by up to three days. Many homeowners reach a point in their lives when they’re ready to move from the house they raised their families in to something smaller and more manageable. While finding the right place can be a challenge, the hardest part of downsizing is often sorting through a lifetime’s amount of possessions. This process, called contents downsizing, is much easier when you follow this four-step system. A GUIDE TO DOWNSIZING What to Keep, Gift, Donate, and Throw Out START WITH THE JUNK Beginning your downsizing with the hardest items will only lead to frustration and inaction. Instead, start by tackling areas of the house that are full of documents, knickknacks, and boxes you haven’t touched in years. These will be the easiest to part with and will put you in the right downsizing mindset. DONATE UNWANTED ITEMS The next category contains items that are no longer valuable to you or your family but may be useful to others. These items can be donated to one of many worthy organizations, such as Goodwill, the Salvation Army, or St. Vincent de Paul. Donations are a way to give back to the less fortunate instead of simply throwing things away. EUCALYPTUS If you’re suffering from congestion or can’t stop coughing, eucalyptus may offer the relief you’re looking for.

Available in several different forms, including syrup, oil, and dried leaves, eucalyptus can be used as an expectorant or as a way to relieve a sore throat. When you’re at home and sick, try adding a few drops of eucalyptus oil to the water in a humidifier. The results are remarkably soothing! ZINC While many people turn to vitamin C to hurry through a cold, that’s not the supplement you should be focusing on. In fact, an overwhelming number of studies show that vitamin C does absolutely nothing to help shorten a cold. Instead, take zinc. You can find it as a nasal spray or lozenge, or even as part of a vitamin C supplement. One study published in the Annals of Internal Medicine found that those who took zinc reduced their recovery time from a cold by half. Cold symptoms among those taking a zinc supplement lasted about four days, while symptoms among those taking a placebo lasted about eight days.

GIVE GIFTS TO LOVED ONES If you have children, they will undoubtedly want to keep a few cherished mementos and precious possessions. Deciding who will keep what can be a sensitive subject, so you’ll need to devise an equitable method to divvy up the goods. Some families engage in the process collaboratively, but there should always be some communication before anything is thrown out. Your kids may value certain items more than you ever realized. If you suspect a certain heirloom could be a source of contention, it’s best to hold on to it and make it part of your estate plan. ONLY KEEP THE ESSENTIALS After completing the first three steps, you should be left with only those items you actually use and those that have the most sentimental value to you. These are the objects worth bringing to your new home. BONUS TIP: COLOR CODE EACH CATEGORY Odds are that you’ll find junk and valuables stored right next to each other. If you don’t have time to physically separate them at the moment, use different colored Post-it notes to keep everything organized when it comes time to move.

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The Best Podcasts to Start in 2019

Though podcasts have been around for over a decade, they have only recently found their stride in popular culture. And they don’t all feature nerds talking about “Game of Thrones.” In this form of audio entertainment, there really is something for everyone. A number of podcasts have broken into mainstream pop culture, like “My Favorite Murder,” “This American Life,” and NPR’s “Planet Money.” But these are only the tip of the iceberg. Here are a few lesser-known podcasts that are seriously worth your time. START SOMETHING FUN: ‘SPIRITS’ The title “Spirits” is a play on the stories told and drinks enjoyed on this podcast. Co-hosts Amanda McLoughlin and Julia Schifini offer a fresh take on myths, legends, and folklore. From Greek classics to the tale of the Javanese Mermaid Queen, these lifelong friends and mythology enthusiasts examine what the stories we tell say about our culture, traditions, and values. If you’re eager to fill your year with something kinda creepy and kinda cool, you can’t go wrong with “Spirits.” Start listening at GO ON AN ADVENTURE: ‘THE FAR MERIDIAN’ Audio dramas are back and thriving in the world of podcasts. “The Far Meridian” explores the story of Peri, a lighthouse keeper whose brother disappeared long ago. Peri is terrified of leaving her home, so she’s never discovered what happened to him. That changes when her lighthouse begins to appear in a new location every morning, initiating her search for her brother. Fantastically fun and painfully real, this is a story about the courage it takes to leave home behind. Join the girl in the lighthouse at We all need some advice. Why not get it from someone who knows what they’re talking about? Marie Forleo is an entrepreneur, writer, and philanthropist. And according to Oprah, she’s a thought leader for the next generation. Her mission is to help you become the person you most want to be. On the podcast, Marie and her guests discuss business, relationships, fear, love, and so much more. Get inspired at This list is just a start to the wealth of amazing, diverse podcasts out there. News recaps, sports history, true crime, pop-culture throwbacks, and plenty more fantastic audio entertainment awaits on your phone’s podcast app. Start listening to your new obsession today! TACKLE YOUR NEW YEAR’S RESOLUTIONS: ‘THE MARIE FORLEO PODCAST’

Inspired by Delish



8 slices brioche, 1/2-inch thick

1/4 cup creamy peanut butter

2 large eggs

2 tablespoons unsalted butter

1/8 cup heavy cream

2 cups mixed berries

2 teaspoons pure vanilla extract

Powdered sugar, to sprinkle

Maple syrup, for serving

2 cups cornflakes


1. On a large baking sheet lined with wax paper, place 4 slices of brioche and spread 1 tablespoon of peanut butter on each. Cover with remaining slices, creating sandwiches. 2. In a pie plate, beat eggs with cream and vanilla. In another, coarsely crush the cornflakes. 3. Lightly soak sandwiches in the egg mixture, then dredge in cornflakes, pressing to adhere. Return to baking sheet. 4. In a large skillet over medium heat, melt 1 tablespoon butter. Once melted and up to temperature, add sandwiches, cooking on one side until golden and crisp, about 2–3 minutes. 5. Return sandwiches to baking sheet, add remaining butter, and repeat on other side. 6. Top sandwiches with berries, sprinkle with powdered sugar, and serve with maple syrup.


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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

Call Us: (503) 620-3531


Inside This Issue Preparation and Balance page 1 Have a Cold? Recover Faster! page 2 Why Less Stuff Means More Freedom page 2 My Favorite Podcast page 3 Peanut Butter and Berry French Toast page 3 The Best Skiing Destinations in the World page 4


The sound of the first carve through fresh powder is the anthem of all winter sports enthusiasts. Here are three of the world’s best places to experience that powder you’ve been craving all year. BRECKENRIDGE, COLORADO John Denver’s anthem “Rocky Mountain high” is about the freedom he felt here. Where there are great mountains, there’s even better snow. If you’ve ever seen the groomed trails of Breckenridge, you’ll understand why. The ski resort boasts five peaks, 187 trails, 34 lifts, four terrain parks, and a renowned cross- country trail. After a day on the slopes, head into the town of Breckenridge for dining and activities that ditch the glitz and glamour of Vail or Aspen and take you straight to the heart of fun. WHISTLER, BRITISH COLUMBIA, CANADA A destination that looks like a cross between Nordic paradise and Olympic- level runs, Whistler is filled with true magic, winter activities, and a town

that captivates the senses. When you see the mountains of British Columbia, you’ll understand why they hosted the 2010 Winter Olympics. The location’s beauty is only part of your stimulating experience, because every curve of fresh powder makes your pupils dilate. Once you’re done flying down the hill where Bode Miller took the bronze, head over to the winter wonderland of the old Olympic Village for a cozy night in a picturesque town. ST. ANTON, AUSTRIA If you want a great location for next year’s Christmas card photo, there’s no better place than the Tyrolean Alps. Nestled in a valley between perfectly molded mountains, the Austrian landscape provides a beautiful backdrop for your winter excursions. The densely wooded areas and the bright reflection of the snow frame the vibrant town that’s just waiting to be explored. When you’re ready for world-class runs, hop in one of the 11 gondolas and zip down the hills that hosted the 2001 Alpine World Ski Championships.

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