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June 2020
How I Began in Music Horacio Reflects on World Music Day
Despite everything happening in the world, there’s a lot of good to look forward to in my life. My wife and I are going to have a new baby girl in October. My son who passed away wanted to name his first kid Green, so we’re naming our daughter Green in memory of him. Lately, I’ve been reflecting on the experiences that Green will have; I look forward to getting to teach her guitar because of what music has added to my life. World Music Day, celebrated on June 21, is a day in France where citizens go out into the streets and play music for their friends and neighbors. I did the same thing in Paraguay as a kid, and I still think sharing music is one of the best experiences you can have. Music has a powerful presence in our lives — I like to think that it’s there for us through our most challenging and happiest moments. In my last newsletter, I talked about my band, Loose Change, but I didn’t explain my whole journey through music and how that’s affected my practice today. In Paraguay, when I was 8 years old, my mother was a music teacher and decided she’d teach me nylon acoustic guitar, or Spanish guitar. I learned a lot of Spanish folk songs from her and kept up the practice as I became a teenager. Serenades are very popular in Latin America. We’d go play songs outside — often at midnight — and wait for whomever we were serenading to wake up. Often their parents will wake them up and they will come outside to watch us for a little bit as we play their songs. I have really fond memories of that and all of the camping and bonfire nights I spent with friends back then, playing guitar with them all. Spanish folk songs and a bit of jazz were mostly what I knew at first. When I was 30 and moved to the States, I decided that I’d expand. I started electric guitar lessons and
learned blues and classic rock, alternative rock, and songs like that. I felt like I was picking up almost everything and enjoying all of it. Learning music can be a very freeing feeling, even if it requires time and dedication. I started getting more instruction fromYouTube videos, in addition to in-person lessons. There are so many ways to learn online these days, and that’s how I acquired many of my current guitar techniques. Then, a few years ago, I joined a school known as School of Rock. We joined ensembles and each of us played an instrument. Of course, I played guitar in the bands. Then, after a few months of rehearsing, we’d play in a venue, like a bar. I met all of my bandmates through this program over the years. We decided we wanted to practice and perform more regularly together and formed our band, Loose Change. We call it Loose Change because our band has many members, so we each take turns on the instruments, rotating after a few songs; I
may perform on guitar for a few songs before another guitarist steps in, and I return later in the set. We switch often enough that Loose Change made sense to us! I’ve seen my practice benefit in unexpected ways from music. Sometimes I’ll bring it up and clients will be surprised or share their own fascinating experiences with music. Maybe it’s an easy conversation starter because we tend to associate music with changes and growth in our lives. There are certain songs that always bring me back to my days near the bonfire with my friends and certain songs that remind me of my wife. Whether through tragedy or triumph, I’m glad the music I listen to and play is going to be here for Green, too. I hope you get to celebrate music with a little playing or listening this month.
Enjoy your June, friends.
www.SosaLegal.com | 1 –Horacio So sa
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ABOUT TO RETIRE? CONSIDER THESE LOW-RISK, HIGH-RETURN INVESTMENTS
As you age, it’s wise to make some changes in order to stay healthy, like your diet or your workout routine. Likewise, your portfolio should be adjusted to reduce risk and protect your financial health. After a bad turn in the market, it can take up to a decade to make your money back. If you want to retire in the next five years, then can you really afford that risk? Reducing your risk doesn’t necessarily mean missing out on high-return investments, though. Here are some low-risk, high-return investments to consider adding to your portfolio as you approach retirement. PEER-TO-PEER LENDING Otherwise known as P2P lending, this investment takes place online. Borrowers are matched with investors for loans that benefit both parties — lending without the bank. Your risk and potential returns depend entirely on which loans you choose to invest in. The two most popular P2P lending platforms are Lending Club and Prosper, and you can start investing in either platform with as little as $25. REAL ESTATE INVESTMENT TRUSTS When you invest in real estate investment trusts (REIT), you’re investing in mortgages or direct equity positions in various properties. When the stock market is in decline, REITs are a good investment because they’re not corrected with stock exchanges. Plus, their yield is usually higher than the dividends investors get from stocks.
FIXED INDEXED ANNUITIES When it comes to low-risk, high-return investments, fixed indexed annuities (FIA) are the most attractive option for retirees. In 2018, renowned economist professor Roger Ibbotson conducted research into the return history of inflation, U.S. Treasury bills, government bonds, FIAs, and stocks. Unsurprisingly, stocks offered the highest returns historically, but Ibbotson was surprised to find FIAs came in second, beating out bonds and conventional wisdom.
Historically, these investments have produced great returns for individuals who are in retirement or who are about to retire. However, remember that everyone’s circumstances are different. Before making any changes to your portfolio, talk to your financial planner about your options. TIMES THE OLYMPICSWERE CANCELED And the Postponement of the 2020 Tokyo Games
In late March, amid the global spread of COVID-19, the International Olympic Committee announced the postponement of the 2020 Olympic Games. They were slated to take place in Tokyo, Japan, this summer, but they will now happen in the summer of 2021. While this is an unprecedented decision, it’s not the first time that major global events have affected the Olympic Games or which countries participated. Since the inception of the modern Olympic Games in 1896, they have been outright canceled three times — 1916, 1940, and 1944. The first cancellation of the Olympic Games happened duringWorldWar I. The German Empire was supposed to host the games in Berlin, but by the time 1916 rolled around, Europe was deep in the trenches of WWI. Many nations had sent their athletes to fight in the war, so the games were canceled.
WorldWar II caused the next two cancellations. The 1940 Olympics were initially scheduled to be held in Tokyo. It would have been the first time the games were hosted by a non-Western country, but Japan forfeited the right to host when they invaded China in 1937. The games were then rebooked for Helsinki, Finland, but after Nazi Germany invaded Poland in 1939 and startedWWII, those games were scrapped as well. Since the fighting hadn’t ceased by the time the games were supposed to happen in Cortina d’Ampezzo, Italy, in 1944, the Olympics were canceled again. Though the Olympics have happened on schedule since the end of WWII, the United States has not always participated. In 1980, when the U.S. boycotted the Olympics that were held in Moscow, Russia, in protest of the Soviet Union’s invasion of Afghanistan, 64 other nations followed suit. However, those games still went on as planned and 80 countries participated. The fact that major global conflicts are the only other events that have been catastrophic enough to affect the Olympics might be distressing and elevate anxiety about our current global health crisis. However, it’s important to keep in mind that the Olympics have only been postponed this time, not canceled. We’ll still get to cheer on our favorite Olympians next year.
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TAKE A BREAK
TURN YOUR VACATION INTO A STAYCATION
3 Ways to Replace a Canceled Vacation
Vacations provide opportunities for families to spend time together in a relaxed environment, get away from the routines of everyday life, and create meaningful memories. If you’ve recently had to cancel a trip but still want to create the experience of a vacation for your family, then a staycation is just what you need. TRANSFORM YOUR BACKYARD When you’re trying to recreate a vacation, the outdoor areas of your home present a variety of possibilities. You can turn a sandbox into a relaxing beach, complete with a kiddie pool “ocean.” If you have trees, then set up a zip line or obstacle course. You can even stimulate summer brains with a scavenger hunt around the backyard with hidden clues in the dirt or bushes. The ultimate prize can be something you would have purchased on your original vacation, like a souvenir you can find online. CREATE A ‘FAMILY MUSEUM’ Many vacations include an educational aspect in order to enrich our understanding of the place we’re visiting, and museums are a great way to accomplish that. If you’re confined to the house, then teach your kids about your own knowledge and interests and encourage them to get creative and make their own contributions, too. Have everyone create art, take photos, or write about their prized possessions. Display these masterpieces around your home and let their creators take you on a tour. Learning more about one another builds meaningful bonds. BRING YOUR TRIP HOME You probably chose your original vacation destination in order to experience new and different cultures and activities. But just because you’re no longer traveling to that location doesn’t mean you can’t experience some of what it has to offer! Research popular local cuisine, activities, and history of the area, then create ways to experience them with your family. Cook a traditional meal, recreate a scenic location through photographs, or share a story about local lore and history. Your changed plans will no longer feel like a missed opportunity. Staying at home doesn’t mean your family can’t have the fun of a vacation. All it takes is a little creativity and innovation to build an experience that will bring your family closer together.
GRILLED BASIL CHICKEN AND TOMATOES
Inspired by TasteOfHome.com
You can’t go wrong with grilled chicken and tomatoes on a warm summer’s evening. It’s a simple recipe that packs a flavor punch.
Ingredients
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2 tbsp olive oil
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1/4 cup tightly packed fresh basil leaves
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1 clove garlic
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8 Roma tomatoes
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1/2 tsp salt
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4 boneless skinless chicken breast halves (4 oz each)
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3/4 cup balsamic vinegar
Directions
1. For marinade: In blender, combine olive oil, garlic, salt, vinegar, and basil. Cut 2 tomatoes into quarters and add to mixture. Cover and process until blended. Halve remaining tomatoes for grilling.
2. In bowl, combine chicken and 2/3 cup marinade. Cover and refrigerate for 1 hour. Reserve remaining marinade.
3. Heat grill to about 350–400 F. Lightly oil grates. Grill chicken until internal temperature reads 165 F, about 4–6 minutes per side. Grill tomatoes until lightly browned, about 2–4 minutes per side. Discard remaining marinade.
4. Serve chicken and tomatoes with reserved marinade.
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954-532-9447 www.SosaLegal.com 2924 Davie Rd. Ste 102 Davie, FL 33314 INSIDE THIS ISSUE
1
Horacio Reflects on World Music Day
Best Investments for Retirees Have the Olympics Ever Been Postponed Before?
2
Grilled Basil Chicken and Tomatoes 3 Enriching Staycation Ideas
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Help Local Nonprofits in Challenging Times
THE BEST WAYS TO HELP LOCAL NONPROFITS IN CHALLENGING TIMES
VOLUNTEER
Over the past several months, families, businesses, and nonprofits have had to navigate life in this challenging “new normal,” and it can be hard to support your favorite nonprofits when times are tough. Here are a few ways you can help these important entities, even when you don’t have resources to spare right now.
In a time of social distancing, volunteering may be discouraged, but nonprofits still need volunteers to operate. The good news is that many nonprofits need volunteers for positions that maintain social distance, such as driving. Food banks and kitchens need drivers to pick up donations or ingredients from donors and to deliver food to people in need, such as the elderly or those with disabilities.
DONATE
While many people donate generously during the holiday season, remember that nonprofits need donations throughout the year, and different nonprofits need different things. A monetary donation can often go a long way, but never feel obligated to give money, especially when your budget may be tight. Instead, consider cleaning out your closet. What clothes, shoes, or other accessories can you part with? What about dishware or small appliances? When you clean out your home and donate unused items, you benefit those in the community who need them most.
ADVOCATE
Even if you don’t have time or resources to give, you can become an advocate for important causes around your community. While it might not seem like much, sharing information about local nonprofits on social media can make a genuine difference. Nonprofits need exposure, which is greatly boosted through community support. Sharing useful information about nonprofits — or sharing their posts — increases their visibility so more people will take action.
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