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I DON’T BELIEVE IN THE MAGIC OF JANUARY 1ST Why Wait? Embrace the Power of Starting Anytime
I’ve never been one to get caught up in the “magic” of Jan. 1. Honestly, why wait to make changes when you feel ready right now, right? I actually start sketching out my goals for the next year around October. That goes for everything — my business plans, personal life, even my health routines. By the time the New Year rolls around, I’m already deep into making those plans a reality. No, I’m not trying to toot my own horn or anything like that, but I want to share a not-so-secret with you to improve your life: You don’t have to wait to go for your goals. Here’s the thing about New Year’s resolutions. They trick you into thinking you need to wait for a special day to get going. It’s like we give ourselves permission to delay, believing that somehow everything will magically fall into place come Jan. 1. But really, there’s no magic in the date — it’s just another day. It’s like waiting to restart a diet on Monday; it’s futile! I learned quickly that if I treated every day with the same focus I gave the first day of January, I didn’t need a new year to kickstart anything. It’s about keeping up the momentum all year round. Whether it’s March or September, if I have a goal in mind, I start working on it immediately. Waiting until January often leads to unmet expectations
and rushed resolutions you made on New Year’s Eve on a whim.
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It’s easy to fall into the comfort zone of saying, “I’ll start in the new year.” But let’s be honest, that can be a subtle form of procrastination. If you find yourself slipping on those resolutions or not feeling the New Year’s buzz, remember — it’s fine to hit the reset button whenever it feels right. Goals aren’t bound by calendars. Real change is about making continuous, consistent efforts, no matter the month. That steady grind is much more effective than banking all your hopes on a single date. I try to keep my habits sharp all year, which helps me avoid the end-of-year scramble that catches so many people off guard. My biggest tip for staying motivated is to never let yourself forget your goal. Write post-its, create digital reminders, or do anything else you need to keep that goal in front of your face every single day. Saying it a few times or writing it down just to be forgotten is a recipe for another abandoned resolution. Make daily reminders, and never forget why you made that goal in the first place!
So, if you’re already finding those New Year’s resolutions slipping through your fingers, don’t beat yourself up. Starting over or readjusting your goals in February, June, or even October is just as valid. The best time to start? Whenever you’re ready. Let’s make this year about embracing the flexibility to pursue our ambitions on our terms and at our pace. Any day can be your Jan. 1st if you decide it is. Here’s to making changes when they feel right, not just when the calendar flips to a new year. After all, why wait to chase what matters most to you? –Darin Garman
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HOW FIGURE SKATING TWIRLED INTO MODERN TIMES Skating Through History
Who knew this graceful and frosty sport had such peculiar beginnings? Strap on your skates, folks — we’re sliding into the fascinating world of figure skating history, with a few spins and jumps along the way. BONE TO BE WILD Long before figure skating became the artistic and athletic spectacle we know today, it was a literal bone-shaking experience. Imagine strapping animal bones to your feet to skim across frozen lakes — sounds like an early winter version of ice skating, right? That’s precisely what people in Finland did thousands of years ago, using “skates” made from animal bones as a practical way to avoid lengthy detours around icy obstacles. DANCING ON ICE Flash forward to the 19th century, when figure skating began to embrace its inner dance.
Inspired by the elegant waltz, members of the Vienna Skating Club took their ballroom moves to the ice, effectively inventing what we now admire as ice dancing. Swirling across the ice, these pioneers transformed a pastime into a dance of beauty on blades. A LEAP FOR EQUALITY Jump to the turn of the 20th century, when figure skating was making its mark in the competitive arena. Initially, the World Championships of 1896 were an all-male affair in St. Petersburg, Russia. But by 1902, the tides had turned at the London championships. The pioneering Madge Syers glided into the competition and snagged second place right behind the male champion, Ulrich Salchow (yes, the guy who gave us the Salchow jump). This remarkable feat prompted the introduction of a separate division for women just three years later, setting the stage for gender equality on ice.
PHYSICS ON ICE When skaters land a jump, they can exert over 1,000 pounds of pressure — imagine the force of a small car landing on ice! During those breathtaking spins, reaching speeds of 300 revolutions per minute, skaters experience forces akin to those faced by astronauts during centrifuge training. It’s not just artistry; it’s physics in motion! From bone skates to balletic leaps on ice, figure skating has evolved dramatically over the centuries. So, next time you watch a figure skating competition, remember the rich history that brought us those polished performances.
THE PERFECT PRESCRIPTION FOR INVESTMENT STRESS
always look fantastic, but they are constantly counted and accounted for.
Wouldn’t it be great to have a prescription for relaxing anytime you made an investment of any kind? Instead, most investments tend to make your stomach turn instead of relaxing you. Especially the markets today and their volatility.
available! Now, obviously, I don’t walk around with the phone glued to my ear and answer everyone’s phone calls or emails right away, but I always do get in touch with our investors, usually within 24–48 hours, depending on the circumstance. It’s about transparency, accountability, and ZERO STRESS! That is why over 90% of investors who invest in our properties as our partners or individual investors do so multiple times.
Heck, our investors can even meet our accountants any time they want. The important thing is that the guy in charge is always available to speak to you about any questions, thoughts, or concerns. Yeah, that guy is me.
The main reason for this is twofold:
1. No control over the investment 2. Not knowing what is going on
I don’t hide behind some big office building or a bunch of staff to avoid investors. I am always
Take the stock market, gold, or any other “market.” Do you have much control over where a mutual fund’s fund manager will invest? Plus, try to talk to the fund manager sometime about the investment … Good luck! The same goes for gold, silver, and other investments. Once the “sales rep” gets done closing you on the investment, good luck getting information, much less answers. But my investors are different! First, there is transparency in the accounting and bookkeeping. They know what is going on and where the beans are being counted. That is not to say the beans
So, you don’t have to deal with all this stress while getting low returns, either.
With 2025 just beginning, the timing has never been better for you to make great investment properties here in the Heartland a part of your investment life. You should get better. You deserve better . Providing profitable prescriptions for investment profits and relaxation … even with the unpredictable 2025 coming!
–Darin
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SOLUTION
Iowa might be known for its rolling plains and cornfields, but come winter, it transforms into an ice fishing paradise. With its crisp weather, January provides the perfect backdrop for anglers looking to reel in a big catch. In fact, the Iowa Department of Natural Resources (DNR) reports that anglers can snag more fish during the icy months than any other season! PRIME LOCATIONS FOR YOUR ICE FISHING ADVENTURE Northern Iowa is a treasure trove for those eager to explore the best spots due to its colder temperatures and larger lakes. Big Spirit Lake , nestled in northwest Iowa, is a hotspot teeming with yellow perch, walleye, bluegill, and crappie. This area, part of the Iowa Great Lakes, offers a stunning natural backdrop and a rich diversity of fish. Moving east, the Mississippi River backwaters are renowned for their abundant winter yields. Fishermen frequently pull record catches from these icy waters, including hefty yellow perch and crappie. Key areas like Mud Lake and Sunfish Lake are perfect for those looking to escape the shallows. For those closer to the state’s center, Big Creek State Park , just northwest of Des Moines, features an expansive lake filled with hybrid striped bass, walleye, and crappie. This lake usually freezes later in the season, which is perfect for anglers hitting the ice this month. TIPS FOR A SAFE AND SUCCESSFUL OUTING Safety and preparation are paramount in ice fishing. The Iowa DNR advises checking their weekly fishing reports for up-to-date information on ice conditions across the state. Remember, a minimum of 4 inches of clear blue ice is considered safe for fishing. Always start by drilling test holes near the shore to assess ice thickness before heading further out. It’s always wise to ice fish in pairs or groups. If you’re new to this winter activity, consider bringing along an experienced angler. Besides offering valuable fishing tips, they can boost your confidence on the ice. Also, always tell someone your plans, including where you’ll be and when you expect to return. Whether you’re a seasoned ice angler or a novice looking to start a new winter tradition, Iowa’s lakes offer some of the best ice fishing spots around. With the right preparation and a spirit of adventure, you’re set for an exciting and bountiful season on the ice!
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HEARTLAND INVESTMENT COMPANIES
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Darin Garman: Heartland’s Most Trusted Multi-Family Investment & Property Management Advisor 2505 Silver Oak Trail Marion, IA 52302 DarinGarman.com 319-350-5378
Page 1 Darin Doesn’t Believe in the Magic of Jan. 1 … But Why? Page 2 The Surprisingly Quirky Origins of Figure Skating The Perfect Prescription for Investment Stress Page 3 Ice Fishing Adventures Await in Iowa’s Frozen Lakes Apartment Investment Success Page 4 Vacation in Tropical Panama
DISCOVER PANAMA AN UNFORGETTABLE TROPICAL PARADISE
ISLA BASTIMENTOS NATIONAL MARINE PARK This amazing national park, established in 1988, covers over 50 square miles and over 130 islands of the Bocas del Toro Archipelago, including the popular coral reefs of the Cayos Zapatillas. If you are interested in rubbing shoulders with monkeys, sloths, crocodiles, and countless marine species, this is the spot for you! PANAMA CANAL No list would be complete without mentioning one of the greatest engineering feats in human history: the Panama Canal. The canal, which runs for roughly 40 miles through the Isthmus of Panama, was completed in August 1914, just a month after the outbreak of World War I. The canal works via a system of locks, filled and emptied of water to raise and lower boats. Ships up to 950 feet long transport over 200 million tons of cargo annually through the canal. If you visit Panama, you have to see the canal for yourself!
The Central American country of Panama, home to the titular Panama Canal that allows easy passage of maritime traffic between the Pacific and Atlantic oceans, is more than a hub for international trade: It’s a scenic tropical paradise. Just 30,000 square miles in size — smaller than South Carolina — Panama packs a lot of incredible sites into one compact package. The country uses the American dollar, so you don’t need to exchange currency to make a worthwhile trip there. Here are three locations you can look forward to on your vacation to Panama! PANAMA CITY Founded in 1519, Panama’s capital is a metropolis amidst lush tropical rainforests. Around 40% of the country’s population resides in the city, which is full of amazing historical and entertainment districts that attract tourists worldwide. The Casco Viejo historical district, comprised of Spanish colonial architecture, was named a World Heritage site in 1997.
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