Garry F. Liday Corporation May 2018

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MAY 2018

Garry F. Liday Corporation FINANCIAL COACH

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

What I Learned in the Marine Corps HOW TO GROW UP IN A HURRY

I signed up for the Marine Corps immediately after graduating high school. I did three years of active duty and another six in the reserves. If I had to sign up again today, I would do it in a heartbeat. My time in the Marines taught me so much about the world, our country, and myself. It was an incredibly valuable experience — one that taught me how to grow up in a hurry. To be perfectly honest, school wasn’t my favorite thing growing up. I worked all through school, and my goal in the classroom was to do enough to graduate. Despite that fact, I still vividly remember the day we had representatives from the armed forces visit our school. They were all impressive, but the Marine made the greatest impression on me. He was well-dressed, his shoes were shined, and he looked the very picture of professionalism. As soon as I got home from school, I announced my intention to join the Marines. My parents gave me their approval, and that was that. The first thing I remember the Marines teaching me was how to be an adult. I grew up more in four months of boot camp than I did in the 18 years prior. It was a no-BS operation. You did what you were told and kept your focus on the good of the team. I was in San Diego for boot camp, but it was the furthest thing from a month at the beach. Occasionally, the officers would wake us all up at midnight. We’d walk to a fence on the base, and a troublemaker would be called forward. In front of all of us, that person would climb the fence and never be heard from again. I’m not sure where those people went after they scaled the fence, but the message was clear: The Marines don’t tolerate foolishness. In addition to teaching me discipline, teamwork, and perseverance, the Marines also introduced me to my best friend. His name’s Dave Grayce, and he was like a big brother to me during my time in the service. We traveled the world together, shared some one-of-a-kind experiences, and spent countless nights talking to each other. Our bond is as strong as it ever was. We speak frequently, including an annual call on the Marine Corps’ birthday (November 10).

As somebody who has spent time in the military, I’m keenly aware that not all of our brave young men and women make it back from their missions. With Memorial Day coming up this month, I wanted to take the time to pay tribute to all of our service members and their families, especially those who have died fighting for our country. The members of our military don’t get the recognition they deserve for protecting our nation and its values. I can’t correct that imbalance on my own, but consider this message my small way of expressing my gratitude. I encourage everyone reading this to take a moment to consider those who have given the ultimate sacrifice for their country. As you enjoy your Memorial Day cookouts, remember that there are thousands of Americans half a world away fighting to keep us safe. – Garry Li day

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3 Things to Do Before the Trip

copy of their birth certificates. You also need copies of insurance and prescription cards and a notarized letter from the parents granting you permission to authorize medical care in case of an emergency. It’s also a good idea to have a letter of permission for your grandkids to travel with you. Make sure the letter is signed by all legal guardians, especially if your grandchild’s parents are divorced. You don’t want to accidentally cause a custody dispute. PLAN A TRIP YOU’LL BOTH LOVE When planning your itinerary, ask yourself if your grandkids will have fun, too. You might be excited to visit an art museum, but a younger child might not appreciate it as much. This doesn’t mean you shouldn’t visit museums or historical sites! In fact, most of these places offer kid- centric activities, like scavenger hunts, that can help a younger audience engage with the environment. Just be sure to think of your grandchild first when planning. There’s nothing like the adventure of travel to bring generations closer together and create lasting memories. These tips will help you ensure those memories are good ones. Happy travels!

before you board a plane to Italy with your granddaughter or rent an RV for a trip to Yellowstone with your grandsons, there are a few things you need to check off your to-do list. DON’T LET THE PARENTS WORRY Letting their kids go on a trip without them can be nerve-wracking for parents. Don’t view parental worries as an implication that you are an irresponsible grandparent. Instead, think about how you felt when your own children were young, and take steps to alleviate the parents’ concerns. If your daughter asks you not to be on your phone while in crowded public places because she’s concerned you might lose sight of her child, promise to keep the phone in your pocket. If your son-in- law wants regular updates, make time before bed for your grandchild to call home and tell her father about all the fun she’s having. A little compromise can lead to less stress and more fun for everyone. PACK NECESSARY DOCUMENTS You need to have some form of ID for your grandkids. Older kids can use a driver’s license, but if you’re traveling with little ones, find a


Trying New Cuisine Has Never Been Easier

Eating the same foods over and over gets old, but it’s often hard to be adventurous when you don’t want to waste money on unappetizing food. Enter the food subscription box. When you sign up for a food subscription box, you’ll have the opportunity to sample new foods without committing much money — or time at the grocery store — to the cause. Here are two tasty food subscription boxes that’ll make your mouth water. TRY THE WORLD Try the World believes that the most authentic way to discover a new culture from the comfort of your own home is through food. With two price points to choose from, Try the World sends you artisanal and gourmet foods from different cultures each month. Each box comes with a “culture guide” that

GRAZE If you like variety, exciting flavor combinations, and wholesome snacks approved by a nutritionist, you’ll love Graze. With this food box subscription, customers create a personalized snacking experience, something that many food subscription services don’t offer! Once you set your preferences, Graze handpicks eight snacks for your box. After you’ve tried your snacks, you can tell Graze how well they know your taste buds. Unfortunately, Graze is not suitable for people with allergies. Their snacks are packed in a facility that also processes nuts, wheat, milk, soy, and egg, and cross-contamination is a strong possibility.

includes the story behind each food, recipes that incorporate the products, and tips to enhance your food-tasting experience. Like most subscription boxes, you can’t choose which country’s foods you’ll sample. However, you can purchase individual items at Try the World’s online shop. Customers can pause or cancel their subscription any time, and pricing depends on the length of your subscription.

Graze prices depend on the services and products you select, but a standard subscription starts at $13.99 per box. Like Try the World, you can purchase snacks separately from their online shop. Customers can pause their subscription for up to 12 weeks or cancel their deliveries at any time.

Trying new food should be a fun, stress-free experience. Food subscription boxes allow you to sample new snacks and create foreign meals

cheaply and from the comfort of your own home. Try a box the next time you’re feeling adventurous in the kitchen.

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We’ve all walked into our kitchens, looked at the dishes stacked high in the sink, and asked, “Is it better to throw those in the dishwasher or wash them by hand?” The dishwasher would certainly save you some time, but many people believe that washing dishes by hand uses less water and electricity. In reality, however, washing your dishes by hand is one of the worst things you can do for both the planet and your wallet. Dishwashers use less water than washing by hand. A study conducted in Europe found that individuals who wash dishes by hand tend to use 27 gallons of water to clean just 12 place settings. Meanwhile, modern dishwashers only use 6 gallons of water, and Energy Star appliances use as little as 4 gallons during their wash cycle. The Environmental Protection Agency determined that using a dishwasher instead of washing by hand can save 5,000 gallons of water and $40 in utility costs a year. It’s not just about water! Unless you have incredibly thick dishwashing gloves, you can’t properly clean your dishes by hand. Dishwashers heat water to around 145 degrees Fahrenheit to ensure your dishes are disinfected. Even if the water from your sink could get that hot, you wouldn’t want to stick your hand in it. Which brings us to the science experiment that is your kitchen sponge. Dr. Philip Tierno, a clinical professor in the microbiology and pathology departments at NYU Langone, determined that your kitchen sponge is the single dirtiest item in your house. Soap and water aren’t enough to sanitize your sponge, which is left damp next to your sink after each use. Have you ever noticed that stagnant sponge smell? That’s bacteria growing. And when you wash your dishes by hand, you rub that bacteria all over your plates and silverware. Yum. If you have just a single plate or cup, you obviously don’t want to run them through the dishwasher alone; that would be incredibly wasteful. But the drawbacks of washing by hand are too great to ignore. The best option is to wait until your dishwasher is full, then start up the washing cycle. All your dishes will be clean and disinfected, and you’ll use less water in the process. HAND-WASHING VS. DISHWASHER Are You Wasting Water, Time, and Money?


Inspired by

If you want to be the hit of this year’s Memorial Day cookout, don’t overlook the star power of a well-made side dish. These smoky, tangy grilled potatoes will be the talk of the party. The best part is how easy they are to prep and make!


2 pounds baby potatoes, halved 1/4 tablespoon extra-virgin olive oil

1 tablespoon chopped fresh chives

Juice of 1/2 lemon

1/2 packet ranch seasoning

Bacon bits (optional)

Ranch dressing for drizzling

Salt and pepper to taste


1. Heat grill to medium. In a large pan, toss potatoes with olive oil, lemon juice, and ranch seasoning. Season generously with salt and pepper. 2. Skewer potatoes. (If using wood skewers, be sure to soak in water an hour before grilling.) Grill until tender and lightly charred, about 15 minutes. 3. Drizzle with ranch and garnish with chives and bacon bits.


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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 How Service Changed My Life page 1 Secrets to a Great Family Vacation page 2 Explore New Cuisine With Food Subscription Boxes page 2 Grilled Ranch Potatoes page 3 Kitchen Cleaning Secrets page 3 Gear Up for Grilling Season page 4

GET YOUR GRILL ON 2 May Holidays, 2 Reasons to Grill

THE CLASSIC BURGER Nothing beats the American classic: a seasoned beef patty, a slice of cheddar cheese, a squirt each of mustard and ketchup, a layer of crunchy lettuce, some thinly sliced onions, and a couple of zesty pickles. For a homemade touch, make the pickles yourself by soaking cucumbers in a brine of vinegar, dill, and salt. THE MEDITERRANEAN BURGER Take your patty to the next level with a Mediterranean twist. Mix feta cheese and garlic into your ground beef before forming your patties. Serve it on a grilled ciabatta bun topped with marinated red peppers and arugula for flavor and texture. If you want to get extra fancy, pour a bit of balsamic reduction over the patty before adding the toppings. THE PORTOBELLO BURGER For a delicious veggie burger even meat eaters will love, use a portobello mushroom as your patty. Remove the stems, then marinate the mushrooms for 15 minutes in a mixture of 1 tablespoon red wine vinegar, 3 tablespoons olive oil, and a clove of minced garlic. Season the shrooms with salt and pepper, then place them on the grill just as you would any other burger. Gruyere cheese is the perfect creamy topping, and you can use grilled focaccia bread topped with garlic aioli. As you bask in the late spring weather and the inviting smell of delicious food this Memorial Day, take a moment to remember the Americans who gave their lives so we could enjoy these freedoms, and thank those who served.

Is there anything more American than grilling a burger outside on Memorial Day? This year, there’s another reason to fire up the grill that weekend: In addition to being Memorial Day, May 28 is also National Hamburger Day! Enjoy this delicious coincidence by heating up the grill, gathering the fixings, and making one of these tasty burgers at home.

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