Take a look at our November newsletter!
119 Old State Rd., Ellisville, MO 63021 THE WEALTH ZONE TO OUR VETERANS — THANK YOU 3 WAYS TO GIVE BACK TO OUR VETERANS CapitalAdvisoryGrp.com November 2022
Donate to a cause supporting veterans. It’s difficult to know how you can contribute and give back to those who’ve risked their lives for us. But donating to veteran charities or organizations can help veterans get the care, treatment, and services they deserve. Disabled American Veterans, Wounded Warrior Project, Homes for Our Troops, the USO, Operation Write Home, and Don’t Forget About a Solider’s Best Friend are a few organizations you can contribute to. If you want to donate locally to veterans in our area, go to GreatNonprofits.org for more information. Ask someone about their service. Ask veterans about their service and why they wanted to defend our country. Learning about their lives and experiences can give a deeper understanding and appreciation for their service. In turn, you’re letting the veteran know their voices are heard and valued. So, be a sounding board for these men and women as they share their stories. Visit a VA hospital. Many VA facilities have events on or around Veterans Day you can attend. If allowed, volunteer at the facility or spend the day with a veteran. Some people don’t have family close enough or in a position to visit them. You will make their day by donating your time to help the facility or listening to a former soldier’s stories. To active military men, women, and veterans, thank you for putting your lives on the line daily to protect our freedoms. Your bravery and dedication to our country are inspiring. Your acts of service will never be forgotten or unappreciated.
Our lives are so valuable, and tomorrow is never a guarantee. Therefore, I try to practice gratitude and mindfulness daily. But we’re human, and sometimes we can forget how important the people in our lives truly are. Because of this, I always use the month of Thanksgiving to show appreciation for the people in my life. As I began thinking about who and what I’m grateful for, I realized a group of people deserve thanks and acknowledgment every day — our military and veterans. Our country would look vastly different if it weren’t for the men and women who risked their lives as they fought to protect our freedoms. The blessings and privileges we have as Americans can easily be taken for granted. In some countries, people can’t practice their beliefs, speak against the government, or even travel freely and comfortably. Although we have differences, Americans should be united because we have the same freedoms. None of this would be possible without our superheroes in uniform. Our veterans don’t get enough recognition for their impact on our country. Although we will never be able to repay them for their bravery and courage, a kind gesture can go a long way. Therefore, I wanted to share with you some ways we can thank a veteran for their service this month.
Have You Heard Us on the Radio Yet?
Tune in to KTR 550 AM radio every Saturday from 3–4 p.m. as Jeff Zufall and Josh Gilbert discuss all things taxes and financial planning. From innovative strategies to optimize your benefits to breaking down proposed and current legislative measures, Jeff and Josh guide you through today’s most pressing topics in the financial world.
Happy Thanksgiving and Veterans Day, everyone!
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During the spring, the southwest part of England hosts one of the strangest sports each year — cheese rolling. People worldwide travel to watch and participate as contestants launch themselves down a hill in pursuit of a round of cheese. But how did this sport come to be? It’s kind of a mystery. No one really knows the origins of cheese rolling. For as long as the locals can remember, the sport has always been there. Several theories attempt to explain how the sport came about. One theory states that the competition started in the 15th century, and racing down the hill was a way to establish grazing rights on the commons. Others say the game has a pagan origin, where people would throw bundles of brushwood down the hill to represent the new year once winter ends. Although its roots are unknown, locals have kept score since the 1970s and watched it gain in popularity over the years. What are the rules? Competitors begin the race at the top of Cooper’s Hill in Brockworth, Gloucester, which slopes downward at an almost 90-degree angle. Then, when the master of ceremonies tells you to go, you launch yourself down the mountain. The first person to grab the 8-pound wheel of double cream Gloucester (which has never been done before) or cross the finish line at the bottom (about 200 yards) will win the race and the cheese. You don’t need to meet any criteria or fill out any paperwork to participate. Simply arrive at the top of the hill before the race begins, and you’re all set. But participating is at your own risk: Many people suffer severe injuries because you’re going down the hill at speeds reaching 70 mph. The sport has gained many fans over the years — around 15,000 attendees come to view the spectacle annually. The media attention further spreads the interest and popularity of cheese rolling. Many YouTube channels cover the sport, and a Netflix show titled “We Are the Champions” has All This for a Truckle of Cheese? What Is Cheese Rolling?
As we prepare for our Thanksgiving feasts, Thursday night football games, and Black Friday shopping, take some time to show gratitude for those around you and for what you have. Here are a few ways to practice gratitude this month. Appreciate everything. Get into the habit of being grateful for the little things in your life. It can be easy to acknowledge the “big” things, but nothing is too small to be thankful for. You can be grateful the weather is nice and sunny, that you received the package you’ve been waiting for, or that you got out of bed today. Don’t leave out anything when practicing gratitude. Practice mindfulness. Mindfulness is the ability to be fully present and aware of what’s happening around you. So, instead of being overwhelmed by what you need to do tomorrow or next week, focus on the present moment and enjoy the time you spend solo or with your loved ones. Live in the moment and take one day at a time. Tomorrow will surely come, and you only have a limited amount of time in the present. Celebrate your challenges. Sometimes struggles and battles in our lives can weigh us down. But when you persevere and continue to push forward, you will find success. Challenges help you improve and strengthen your abilities and resilience, so celebrate the progress you’ve made. Showing gratitude for challenges and negative experiences allows us to acknowledge humility and appreciate growth in our lives. Keep a journal. Writing down the things you’re grateful for will remind you of all the great things you have when other things aren’t going so well. So, keep a journal about what you’re grateful for each day or week — even if it’s just small things at first. Your perspective on life will change, and it will get easier to see the good things and to feel grateful for things you were likely overlooking. Showing gratitude is something we should do every day, all throughout the year — not just during the holidays. So, try to practice mindfulness and gratitude using these tips! Happy Thanksgiving, everyone! THANKSGIVING IS ABOUT MORE THAN FOOD IT’S ABOUT SHOWING GRATITUDE
an episode covering the sport and how competitors train.
Can you believe all of this excitement and fame over a truckle of cheese?
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Don’t Break the Bank Christmas Shopping CREATE A CHRISTMAS BUDGET!
No. 1 — Make a shopping list. It can be overwhelming to go Black Friday shopping or Christmas shopping when you don’t have a plan. To make things easier, write down who you need to get gifts for, how much you want to spend on each person, and what stores you want to visit. Keep a tally of how much money you’ve spent while shopping to ensure you don’t overspend or forget anyone.
Some of us like to get our Christmas shopping done early; some may even try their luck with Black Friday deals. No matter when you’re planning to get your gift shopping done, it’s best to have a Christmas budget and strategy so you won’t break the bank. How do you create a Christmas budget? Before you walk through the mall or add items to your shopping cart online, you must create a budget. You want to ensure you have enough money to cover your monthly expenses, buy gifts, and have some money left over for sudden or unexpected emergencies. To create your budget, first, write down your monthly income and expenses. After tallying up these totals, subtract your expenses from your income to see how much you have left over. If you’ve been saving money for Christmas gifts, add this total to your remainder. Whatever remains is how much money you have to spend on gifts, but still set some money aside in case of emergencies. You don’t want to spend all of your hard-earned money on gifts!
No. 2 — Use a credit card. If you have a credit card you can easily and quickly pay off, use it while shopping, especially if you have cash-back rewards. Some cards have better return protection than stores. They often offer purchase warranty coverage, and some even provide sale price protection. Look into your credit card provider and see if you have any perks. If you have any questions or concerns about creating a budget or how you can pay for all of your Christmas gifts, call your friends at Captial Advisory Group. We will be happy to assist you and develop a strategy that suits your needs.
Now that your budget is ready to go, you can hit those Black Friday deals. Here are two strategies you can use on your shopping spree.
Achieving financial security and success doesn’t always have an easy answer. Our team at Capital Advisory Group is dedicated to helping you protect your wealth, and while doing so, you may have the following questions: • What are the rules when investing in cryptocurrency? • Should I retire during a high inflationary period? • Which form of investing is best for me — active or passive? • What do I need to know if I’m retiring this year? If you are curious about any of the above questions, please call Capital Advisory Group today at (636) 394-5524! Have Questions? We Have Answers!
Apple Cranberry Crisp
If you’re feeling old-fashioned, treat yourself to this warm and bubbly dish. Nothing says Thanksgiving quite like a classic apple recipe.
Ingredients
• 3 cups peeled and chopped tart apples • 1 1/2 cups cranberries • 3/4 cup packed brown sugar, divided • 1 tbsp lemon juice
• 1/2 tsp ground cinnamon • 1/2 cup all-purpose flour • 1/3 cup butter, cold • Vanilla ice cream (optional)
Directions
1. Preheat oven to 375 F. 2. In a large bowl, combine apples, cranberries, 1/4 cup brown sugar, lemon juice, and cinnamon. 3. Grease an 8-inch baking dish and pour the mixture into it. 4. In a small bowl, mix flour and the remaining brown sugar. Cut in cold butter until the mixture is crumbly. Sprinkle this over the fruit. 5. Bake uncovered for 25–30 minutes or until the topping is golden brown and the filling is bubbly. If desired, serve with vanilla ice cream and enjoy!
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Inspired by TasteOfHome.com
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ISSUE INSIDE THIS
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Veterans Don’t Get Enough Recognition
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It’s National Gratitude Month!
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All This for Cheese?
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Are You Prepared for Black Friday?
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Apple Cranberry Crisp
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3 Fun Facts About Thanksgiving
3 FACTS ABOUT THANKSGIVING Share Fun Trivia Around the Dinner Table!
Parades, turkey, and football are some of our many traditions during Thanksgiving. But how did we start these traditions? Here are some mind-blowing Thanksgiving facts you can share with your loved ones around the dinner table this year. Turkey wasn’t on the menu in 1621. The best record about the Pilgrim’s first harvest comes from colonist Edward Winslow, who participated in the first Thanksgiving feast. While he mentioned “wild fowl” in his accounts, turkey was not explicitly mentioned. The Pilgrims likely ate duck, venison, goose,
oysters, lobsters, and fish for their meal. So, how did we begin eating turkey? It wasn’t until President Abraham Lincoln made Thanksgiving a national holiday in 1863 that turkey began to pile up on our dinner plates. An author helped make Thanksgiving a national holiday. The author of “Mary Had a Little Lamb” lobbied state and federal officials to create a national day of thanks on the last Thursday or Friday of November. She thought having Thanksgiving as a national holiday would help ease the tension between the Northern and Southern parts of the country (we were in the middle of the Civil War). So, she sent 17 letters to President Lincoln on Sept. 28, 1863, and within a week, Lincoln made the proclamation to observe Thanksgiving on the final Thursday of November. While
it’s unclear if Lincoln saw Hale’s letters, the timing is uncanny. What do you think?
Football on Thanksgiving began in 1876. The first Thanksgiving Day football game was between Yale and Princeton. The tradition grew as many colleges and high schools began playing football every Thanksgiving. The game and holiday were so intertwined that in 1893, The New York Herald said Thanksgiving was the official holiday for watching football. Then, the NFL followed suit and had its first Thanksgiving game in 1920. The Detroit Lions and Dallas Cowboys have been playing games on this holiday since the early 1900s. Did any of these fun facts surprise you? Do you know any other trivia about the holiday to share this year? We would love to hear from you. Happy holidays, everyone!
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Securities offered through Kestra Investment Services, LLC, (Kestra IS), member FINRA/SIPC. Investment Advisory Services offered through Kestra Advisory Services, LLC, (Kestra AS) an affiliate of Kestra IS. Capital Advisory Group, Inc. is not affiliated with Kestra IS or Kestra AS. Neither Kestra IS or Kestra AS provide legal or tax advice and are not certified public accounting firms. KestraFinancial.com/disclosures
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