Insider Passive Residual Income THEULTIMATEPASSIVERESIDUAL INCOME TM January2020 The
FROM THE DESK OF Bill Moist
THIS CHANGES EVERYTHING!
When January hits, it’s easy to tell yourself that last year’s holiday treats and days of sitting on the couch marathoning Hallmark Christmas movies are things of the past. Every time a new year arrives, a fresh start comes with it, which is probably why New Year’s resolutions are so popular, particularly in the health and fitness space. That said, it’s hard to ignore the dismal statistics. According to U.S. News &World Report, a heartbreaking 80% of New Year’s resolutions fail by February. So what are we doing wrong? Diet and exercise experts suggest it might not be the concept of making resolutions that’s faulty, but the particular resolutions we choose. To set yourself up for success in 2020, check out these smart resolution swaps below. The goal to “eat less” is not only vague (where does one start?) but it can also lead to disordered eating when taken too far. Instead, try setting yourself up for a healthy long-term diet by eating more of a nutrient-dense food group. Your vitamin intake will go up, and you’ll be too full to eat that second slice of cake. “We’re big fans of goals that start with ‘eat more,’” Lauren Slayton, the director of the nutrition counseling service Foodtrainers, told TheHealthy.com. If you already have plenty of vegetables in your diet but are still struggling to eat healthily, try resolving to eat more fruit and probiotic foods, or drink more water. ARE YOUR ‘HEALTHY’ NEW YEAR’S RESOLUTIONS DOOMED TO FAIL? H ow to U pgrade Y our G oals for 2020 DON’T RESOLVE TO EAT LESS. DO RESOLVE TO EAT MORE VEGGIES.
BUC-EE’S IS BUILDING NEXT TO US
The Ennis Buc-ee’s under construction is expected to open mid- year 2020. The good news is that our new Luxury RV Resort & Storage is only 1,250 feet north of this location on the same side of I-45, just 30 minutes south of Dallas. Ennis Mayor Angie Juenemann is excited about possibilities a development like Buc-ee’s can bring to the city. The $30-plus million travel center is expected to be 52,000 square feet and located on an 80-acre tract of land at the southeast corner of I-45 and Creechville Road. Juenemann explained that Buc-ee’s will have a significant impact on the Ennis economy. She expects around 55,000– 60,000 vehicles per week to stop at the store. Sales are projected to be $20–$25 million. Over 18 million gallons of fuel will be sold from the location yearly. Its annual payroll will be about $6 million. How does this impact our new Luxury RV Resort & Storage? Roughly half of the 55,000–60,000 cars per week will be driving directly past our property going to Dallas. Self-storage is driven in part by “drive-by traffic” according to the Parham Group, a feasibility and site selection consulting group. Regardless of the actual percentage of tenants brought in by “drive-by traffic,”we believe being located 1,250 feet north of the new Bus-ee’s on I-45 just 30 minutes south of Dallas is dynamite location. Watch and see.
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and procrastination, it’s unlikely you’ll be able to change your decades-long habits and become a neat freak all at once. Instead, focus on one area of your life you want to organize, like keeping your desk mess-free, or resolve to change your mindset by adding meditation to your daily routine. According to psychology professor Susan K. Whitbourne, mental and physical clutter are psychologically linked. If you can get your mind organized with a few minutes of peaceful meditation each day, it will be easier to manage the rest of your life.
tomake that happen. Instead, try resolving to go to bed just 15 minutes earlier. Such a small change to your routine should be easier to stick to, and once you have a streak going, you can move your goal back another 15 minutes until you reach the ideal amount of rest! DON’T RESOLVE TO BE MORE ORGANIZED. DO RESOLVE TO MEDITATE EVERY DAY. Resolving to get organized without a road map to get there is setting yourself up for failure. If you’ve always been prone to clutter
DON’T RESOLVE TO LOSE WEIGHT. DO RESOLVE TO REACH A HEALTHY BODY FAT PERCENTAGE. As the body-positivity movement is constantly reminding us, there is no one-size-fits-all number on the scale that we should strive for. Depending on factors like age, gender, and height, one person’s healthy, ideal weight can be another person’s underweight or overweight. Instead of resolving to lose a set number of pounds this year, aim to bring your body fat percentage into the “fitness” range for your gender and age group. Websites like BMI-Calories.com can help you calculate your current body fat and give you a reasonable goal to shoot for. DON’T RESOLVE TO GET 8 HOURS OF SLEEP. DO RESOLVE TO GO TO BED 15 MINUTES EARLIER. It’s hard to change a habit, which is why most people who set ambitious sleep goals are doomed to fail. If you normally go to bed at midnight but need to hit the sack at 10 p.m. in order to get your full eight hours, it will be extremely difficult to shift your routine overnight
HELP YOUR KIDS ACHIEVE MORE THIS YEAR With Simple and Actionable Goals
assign as much importance to New Year’s resolutions as you do, so by sticking to your own commitments, you can help them stay on track too.
With every new year comes an opportunity to reinvent ourselves or start down a new path toward self-improvement. Making resolutions is a big part of many families’ New Year’s traditions, and parents often have a desire for their kids to take part in that tradition when they’re old enough. Following through on resolutions is tough, especially for young children, but with your help, they can achieve their goals. You are your children’s role model for almost everything, including following through on New Year’s resolutions. So, ask yourself if you follow through on your own resolutions. When you proclaim that you will read more books or finally get a gym membership, do you actually try to do it? Your kids will PRACTICE WHAT YOU PREACH.
DON’T DO ALL THE WORK FOR THEM.
While it’s important for you to help your kids formulate their goals, be sure that you aren’t taking over. If they’re ultimately responsible for their resolutions, they’ll feel more compelled to keep them. Instead, suggest different goal areas they could improve, such as home, school, or sports, and let them elaborate. When it comes to creating habits, nobody is perfect, so even if your kids falter on their goals in the middle of February, don’t worry. The important thing is that you continue to encourage them every step of the way.
KEEP THINGS SIMPLE AND ACHIEVABLE.
When your kids are forming their resolutions, their first attempts will probably be very broad. Statements like “I want to be more kind” or “I will try to help more around the house” incorporate good values but don’t include any actionable steps. Help your kids think of tangible ways to act on those goals. For example, if they want to be tidier, a good resolution might be for them to clean their room once a week or take responsibility for one household chore every day.
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SOCIAL SECURITY IN 2020 Know What’s Changing
If you’re in the appropriate age bracket, Social Security may play a major role in your finances. So, it’s important to know how Social Security will be changing in 2020. TRUST FUND Unless Congress takes some drastic actions in the coming months, the current excess trust fund revenue will be depleted by the year 2034. If that happens, Social Security will only be able to pay 79% of the promised benefits from ongoing payroll taxes. You may need to think about what your financial plan would be like with 21% less income. RETIREMENT AGE If you haven’t reached retirement yet, this one is important to consider. If you were born after 1959, the full retirement age is now 67 for you. You’ll still be able to start taking some benefits at age 62, but they’ll be at reduced monthly payments. COST OF LIVING Low inflation means that Social Security benefits will only see a minor cost of living increase. This year, it’s expected to be around 1.6%. It’s not major, but if you’re living off Social Security alone, every penny is important.
MAXIMUM BENEFITS Those near the top of the Social Security income scale in 2019 will see an increase in their maximum payout in 2020. The maximum payout for an individual will be capped at $2,861 per month. That translates to $34,332 per year, so consider how that may impact your finances. TAXES How much your benefits are taxed depends on your household income levels. For example, 50% of your benefits will be taxed if you make between $25,000–$34,000 individually or $32,000–$44,000 for married couples. If you’re above that income bracket, then 85% of your benefits will be taxable.
Take a Break!
Inspired by Nom Nom Paleo
EASY TOMATO SOUP Ingredients
2 tbsp coconut oil
• • • •
1 cup chicken broth 8.5 oz coconut milk
4 leeks, white parts only, thinly sliced 6 cloves garlic, minced 1 28-oz can roasted and diced tomatoes (Muir Glen Organic is a good brand)
Freshly ground black pepper
1. In a skillet over medium heat, sauté leeks in coconut oil until softened and translucent, about 7–10 minutes. 2. Add garlic and sauté for another 30 seconds. Remove from heat. 3. Meanwhile, in a blender, purée entire can of tomatoes, including juice, until smooth. 4. Add sautéed leeks and garlic and purée again. 5. Transfer purée to a saucepan and add chicken broth and coconut milk. Bring to a boil, then drop to simmer and cook for 10 minutes. 6. Add salt and pepper to taste. Serve.
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INSIDE THIS ISSUE From the Desk of Bill PAGE 1 How to Upgrade Your New Year’s Resolutions PAGE 1 Helping Your Kids Make New Year’s Resolutions PAGE 2 Changes to Social Security in 2020 PAGE 3 Take a Break PAGE 3 Easy Tomato Soup PAGE 3 Enter 2020 With an Organized Computer PAGE 4 Professional Equities, Inc. BILLMOIST'S
THE ULTIMATE PASSIVE RESIDUAL INCOME TM
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CTRL, ALT, DELETE YOUR CLUTTER TIPS FOR NATIONAL CLEAN UP YOUR COMPUTER MONTH
Everyone relies on technology. Computers, laptops, tablets, and phones are staples of modern life. However, it’s easy for these devices to become cluttered with old photos, files, and general disorganization. Luckily, January is National Clean UpYour Computer Month and an excellent time to get your technology in order. START BY DUSTING Over time, computer towers can become clogged with dust, which creates additional, unwanted heat within your computer. Regular cleanings will increase the lifespan of your computer and protect its essential components. Compressed air is great for removingmost of the dust and other particulates. If the fans or filters are too dirty, you can remove them from the tower to clean thembetter. If you use water or liquid cleaning products on them, be sure they are completely dry before placing themback into your computer.
CLEAN UP SPACE Any files you’ll never use again should be deleted. Likewise, any programs you haven’t used in a while should be uninstalled. Check your hard drive for files that might be taking up unintended space on your computer. And remember to empty the recycling bin — it’s easy to forget just how much goes in there.
ORGANIZE YOUR FILES Naming and arranging the files on your computer in such a way that they’re easy for you to find can end up saving you a lot of time. Declutter your workspace by creating one file for pictures, one for Word documents, one for spreadsheets, and one for programs to eliminate the hassle of frantically searching for the files you need. BACK UP YOUR COMPUTER Be sure to back up your computer before you start deleting things. This acts as a safety net in case you delete something you didn’t mean to. Additionally, consider installing a second hard drive. The extra space can help with storing important files without having to worry about how much room is left.
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