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JUNE 2018
Garry F. Liday Corporation FINANCIAL COACH
RETIREMENT ASSET MANAGERS, INC. A Registered Investment Advisory Firm (RIA)
And It’s Always a Learning Experience EVERY GENERATION PARENTS DIFFERENTLY
I don’t think there’s any class you can take or book you can read that can prepare for your becoming a parent. Doing a little research can’t hurt, but when you have kids, every day is a learning experience. Looking back on it now, I was woefully unprepared for fatherhood. I was 22 when my first wife and I had children, and she was only 17. Let me tell you, I would recommend you wait a little longer than that. Having and raising children is one of the great joys in life, but it’s also one heck of a challenge. To be perfectly honest, my parents didn’t provide a parenting model that I wanted to follow. It wasn’t that they were bad parents — far from it — but they came from a generation when kids were supposed to do what they were told. “Because I said so,” was a phrase my dad was very fond of. He was a nice old redneck from Texas, but he and I saw the world differently. As a kid, I was extremely curious. Whenever I was told to do something, I asked why. That didn’t always sit well with him and led to many arguments. Looking back, I probably would’ve had an easier time if I had just kept my mouth shut, but it simply wasn’t my nature. Let me give you one small example. One of the only forms of entertainment in our small town was a movie theater, but we were not allowed to go. You can only imagine my surprise when we got a TV during my teenage years. In my eyes, the only difference between a TV and the movies was the size of the screen. We’d even watch movies on the TV set. Of course, I wanted to know why one was okay and the other wasn’t. Guess what the answer was? “Because I said so.” When I became a father, I knew I didn’t want to replicate this approach. Kids are smart and they deserve honest answers when they ask questions. I’m not saying I had all the answers for my kids — nobody does — but I always did my best to explain the reason behind something. If I was at a loss, I wasn’t too proud to say I didn’t know. That attitude, combined with a big dose of trial and error, informed my parenting style more than anything else.
I also learned more about parenting from my wife, Louise. We shared our experiences and cherry-picked each other’s best advice. I’d like to think those years of experience and perspective prepared us to be the grandparents we are today. We like to say that it’s a lot more fun to be a grandparent than a parent. Some of that comes down to the fact that you get to do more of the fun stuff and less of the hard stuff. But I think it’s also because you have a lot more wisdom about interacting with children after you’ve raised your own. Neither of my parents are still with us, but I’m so grateful for everything they taught me and for helping mold the man I am today. If your parents are still around, take the time to say thanks to them. They probably weren’t perfect, but nobody is. Parenting, at its core, is all about making an effort and learning along the way. – Garry Li day
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DEDUCTING ADVENTURE
Ways to Write Off Your Fun
Whether you are preparing for or are currently in retirement, managing
toilet facilities, a boat or RV qualifies as a second home. You’ll be able to deduct the interest you pay on your loan, saving you plenty of money.
money to ensure that your nest egg lasts. At the same time, you should make the most of life by enjoying the activities and adventures you never had time for in your working years. For those willing to put in the effort, there are ways of making your dreams more affordable. BOATS AND RVS Whether you love taking a trip out on the water or into the wilderness, doing it in comfort is always a plus. While boats and RVs can have a high sticker price, there are tax deductions you can use to make the dream of ownership a reality. If the vehicle is equipped with sleeping, cooking, and
TRAVEL Seeing the world is a great way to enrich your life, but it can be tough on your bank account. However, under certain conditions, Uncle Sam may be willing to lend a hand. Most people think the only way to deduct travel expenses is by planning a business trip, but this is not the case. Write-offs also exist to help people who are traveling for knowledge or to do good in the world. If you write for a blog, need to do some regional research for a novel, or want to volunteer in a disadvantaged part of the world, your expenses incurred for these purposes can be deducted. EDUCATION For lifelong learners, continuing your education can be just as much of an adventure as sailing the open seas. Unfortunately, feeding your brain can cost an arm and a leg. Thankfully, the IRS offers a Lifetime Learning tax credit, which can take off as much as 20 percent of the first $10,000 you spend for education after high school. There is no age limit for this credit, so go learn the subjects you’ve always been passionate about!
THINGS THAT GO BUMP IN THE NIGHT
Tales of Sneaking Out and Sneaking In
Trying to slip out a window after Mom and Dad have gone to sleep is nothing new; kids have been trying to sneak out since the invention of houses. These three stories are sure to bring back memories of your own clandestine adventures and close calls! JESSICA: ‘GRAND THEFT MINIVAN’ My parents’ 1985 Ford Aerostar was something of a hot commodity because you could pack seven crazy teenagers in it and go for the best joyrides. As my parents were getting
how far we could make it in one night. One time, we went too far, and I couldn’t fill up the tank before getting back home. I was sweating as my mom got ready to take me to school in the morning. She turned the key, saw that the tank was almost empty, and muttered, “Your father told me this would be good on gas ...” JAMES: ‘WISH I HAD A GRAPPLE GUN’ One night, I snuck out to see a girl. My room was on the second floor, and my parents had noise sensors that went off every time a door opened or closed. I popped out the screen on my window, figuring I could find a way out from the roof. The only option was to jump to an adjacent tree that was just out of reach. I went back to my room, grabbed a belt, and tried to use it as a whip, like Indiana Jones. It didn’t grab the branch tightly enough, though. I ended up with three bruised ribs and a sprained ankle, and I was grounded for a month. REBECCA: ‘SNEAKING IN’ Sneaking out was never my forte, but sneaking people in sure was. There was an entry to my basement from the garage, so I would leave the back door to the garage unlocked, and my friends could slip in. One night, we had the bright idea to sneak in some boys. After one of them tripped and knocked over our canned food collection, my parents came running downstairs. When my dad took two steps toward his gun safe, the boys high-tailed it out of there.
ready for bed, I’d run our air compressor to pretend I was pumping my bike tires, but I was actually using the noise to disguise the sound of the garage door opener. Once they were asleep, I’d pick up my friends, and we’d see
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HONE IN ON HONEY
Nature’s Wonder Sweetener Honey is a wonderful all-natural sweetener. Despite being sweet, it comes with actual health benefits — something you can’t say about other types of sugar. But some honeys are better than others, so it’s important to buy the right kind. Raw honey may help your body heal itself more effectively. One study in BMC Complementary and Alternative Medicine pointed to raw manuka honey as an effective way to speed up the time it takes wounds to heal while also reducing risk of infection. Simply apply manuka honey to a wound and let it do the rest. One of the best types of honey you can buy is raw, unfiltered, local honey. While it isn’t known to decrease the healing time of wounds, it can reduce symptoms related to allergies. Raw honey contains trace amounts of pollen, as well as other allergens from grasses and weeds. Local honey contains many of the pollens and allergens you would normally breathe in on an average day.
This Father’s Day, spice up your wings with this zesty recipe that’s sure to please the whole family. FATHER’S DAY CHILI LIME CHICKEN WINGS
inspired by foodnetwork.com
INGREDIENTS
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4 pounds chicken wings
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1 stick unsalted butter, softened 1 1/4 tablespoons Thai red curry paste
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1/4 cup honey
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Kosher salt and freshly ground black pepper Chopped cilantro for garnish
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1/4 cup soy sauce
The pollens in local honey are just enough to kick your immune system into gear. As a form of immunotherapy, raw, local honey helps your body become acclimated to those allergens. But these three points — raw, unfiltered, and local — are crucial. When honey is processed and filtered, it loses practically all of its allergy-fighting power and becomes an ordinary sweetener. Most experts advise finding honey that was produced as close to your home as possible, preferably within 20 miles. The closer, the better. Keep in mind that it can take several weeks before you feel results. Of course, you won’t find a more delicious way to combat allergies.
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1 lime, halved
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Extra-virgin olive oil
INSTRUCTIONS
1. Heat oven to 425 F. 2. Rinse wings under cold water and pat dry. Season liberally with salt and pepper, and drizzle with olive oil. Roast on a baking sheet for 25 minutes or until skin becomes crisp and brown. 3. Blend butter, red curry paste, honey, and soy sauce in a large mixing bowl. 4. Toss wings in butter mixture. Squeeze lime juice on top, transfer to serving plate, and garnish with cilantro.
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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 www.garryliday.com
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Inside This Issue From Son to Father to Grandfather page 1 Should You Buy That Boat? page 2 ‘Sneaking Out’ Stories You Have to Read to Believe page 2 Father’s Day Chili Lime Chicken Wings page 3 A Natural Sweetener With Real Health Benefits page 3 3 Fathers Who Risked It All for Their Kids page 4
3 AWESOME DADS Fathers Who Put Their Lives on the Line for Their Kids
This Father’s Day, thousands of dads will receive a “No. 1 Dad” mug to sip coffee out of at the office. But the following dads took that “No. 1” to a new level.
face. When the bear finally released Gabriel, Greg threw rocks until it fled. His son was hurt but made a full recovery in the hospital over the coming weeks.
BRIAN MUNN GAVE HIS SON A LIVER TRANSPLANT. When doctors discovered that baby Caleb Munn had a rare disease called biliary atresia, they told his parents that he was unlikely to survive past age 2 without a liver transplant. Luckily, his father was a perfect match, and he eagerly donated part of his liver in March of 2015 to save his son’s life. GREG ALEXANDER BATTLED A BEAR FOR HIS SON’S LIFE. While camping in the backcountry of Great Smoky Mountains National Park, Greg Alexander was startled awake at dawn by the screams of his 16-year-old son, Gabriel. He rushed out of his hammock to see a black bear dragging his son away by the head. Without hesitation, he kicked the beast in the side, and when that didn’t work, he leapt onto its back and started punching it in the
ARTUR MAGOMEDOV SAVED HIS DAUGHTERS FROM ISIS. Artur Magomedov was devastated to discover that his wife had taken his 3- and 10-year-old daughters from their home in Dagestan under the cover of night, flown to Turkey, and crossed into Syria to join ISIS. But he resolved to get his kids back. After a long, hazardous journey, he arrived in Tabqa to embrace his two daughters. To leave the caliphate — under penalty of death — they hitched a ride to the border one night and crawled along a railway line until they were within 70 meters of the border. Then they ran under fire from Turkish border guards until they could scramble into tall grasses. After some help from the Russian consulate in Istanbul, they made it back home, together again and safe.
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