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AUGUST 2021
Garry F. Liday Corporat ion FINANCIAL COACH
RETIREMENT ASSET MANAGERS, INC. A Registered Investment Advisory Firm (RIA)
They say that wisdom comes with age. Maybe that’s so. But that doesn’t mean we aren’t human beings — and human beings tend to make the same mistakes over and over again. For some reason, we don’t like to admit defeat, even when the smart thing to do is throw in the towel. I fall victim to that myself. But one thing I’ve learned over the years is that sometimes, you just need to let your ego take the hit, learn what you can, and move on. And make no mistake, ego is what’s holding you back. One of the best things you can do is sit down and make an honest assessment of what you’re good at and what you’re not good at. Strengths and weaknesses are a big part of what defines us. Since it’s hard to be objective, if you have a trustworthy friend or family member who knows you well enough, maybe have them make a list of your strengths and weaknesses, too. It’s always interesting to see where your list and theirs differ! By the way, if you have a friend who can do that, hold onto them, because being both honest and somewhat kind is a strength of their own character, and it’s not too common to see. But whether you’re working with another person or just writing items down yourself, that list of what you’re good at (and what you’re not) will be one of the most valuable things you possess. Once you know yourself, you know what areas you need to work on and which efforts are probably worth your time. Perhaps most importantly, you’ll know what to walk away from and when. My strength is numbers, facts, data, and math. Show me the numbers, and I’ll show you a winning strategy. It’s just how my brain works. I’m a hard data, hard science kind of guy. Most people in my industry are the same way, and that means the industry as a whole is relatively easy to predict — especially when you look at the big picture. As is so often the case, though, this strength is balanced out by a Stick to Your Strengths Sometimes, the Smart Thing Is to Say ‘Here, You Do It!’
weakness: If people aren’t trying to act rationally, but instead are making decisions based on emotions, I’m totally lost at sea.
That may sound harsher than I mean it to sound. There’s nothing wrong with being in a field that deals with ebbs and flows of emotion instead of those fluctuations in a market or economy. One such field would be real estate — and many people see great success in that arena.
I’m just not one of them.
How do I know? I’d like to say it’s because I knew what my strengths and weaknesses were, but unfortunately, I learned that one the hard way. Years and years ago, I got my real estate license and began to invest in the residential housing market. It seemed like a smart move — many people are able to make money buying and selling houses, I had the capital to make it work, and I knew I was good at investments. Surely, an investment is an investment, right?
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of their animals and precious items as they could. Unfortunately, their flock of goats wouldn’t fit in the getaway vehicle — and their goat-herding dog, Odin, refused to abandon them. Great Pyrenees are prized livestock guardian dogs that will do anything to protect their charges, and Odin lived up to his breed.
Meet Odin, the Fireproof Dog
“I said, ‘Okay, Odin, take care of the goats. You’ll be fine,’” Roland Hendel told ABC News.
THIS GREAT PYRENEES GUIDED HIS GOATS THROUGH A WILDFIRE
Both Hendels were sure they were seeing their dog for the last time. Their hearts sank even further when they heard their home had burned down completely. But on a trip back to examine the ashes, something amazing happened.
“In the distance, I saw Odin’s tail,” Roland told ABC. “Sure enough, there was Odin coming at the head of all his goats.”
Not only did Odin survive the fire and run right up to the Hendels for belly rubs, but he also kept every single one of his goats safe! A few wild deer even joined the goats, and he shepherded them through unscathed. The incredible story made the news, and Odin became a local legend.
In October 2017, California was in flames. One of those blazes was the Tubbs Fire, which charred its way through 36,800 miles of forests and vineyards in both Napa and Sonoma County. More than 5,600 buildings were destroyed, and 22 people were killed. But when the flames finally died, a four-legged hero emerged from the ashes: Odin, the Great Pyrenees dog.
Unfortunately, even legends don’t live forever. This April, Odin passed away after a long life of tail-wagging, treat-eating, and goat-saving. In his honor, Great Pyrenees Rescue of Missouri gifted the Hendels two new Great Pyrenees pups: Buddy and Snowflake. They’re following in Odin’s pawsteps, protecting the goats he loved so much. THE ROOKIE 3 OLDEST ROOKIES IN SPORTS HISTORY
Odin belonged to Ariel and Roland Hendel, two farmers in Sonoma County. When the Tubbs Fire threatened to char their home, they packed up as many
Have you ever felt that fate meant for you to take a different path than the one you took? In some fields, making that change is possible, or even common — as any law student can tell you, where the “average” age of students is in their 30s. But other worlds, like the world of professional sports, are less welcoming to those over 25.
you’re meditating on the ethics of chewing up football players for three years and spitting them out, all in the name of entertainment, consider the case of another similar story that was turned into a movie, that of Vince Papale — played by Mark Wahlberg in “Invincible.” Of course, Papale — whose flag football prowess in his late 20s overrode his lack of college ball experience — signed with the Philadelphia Eagles in the 1970s. Modern football has come a long way, critics will argue. But there’s no denying the old-school toughness and tenacity Papale showed in making it to the NFL. NBA player Pablo Prigioni’s career was twice as long as either Morris’ or Papale’s was, with four years in the big leagues starting in 2012 at age 35. But basketball is arguably less demanding on the body than football and even baseball if we look at the potential damage major league pitchers can do to their throwing arm. Their careers may not have been the stuff of dreams, but these three men showed something we all like to see: tough players hanging on long past their “prime.” And they lived the dream — if only for a while. We all love that!
Which only makes for a better story when it does happen, of course.
That’s what Jim Morris discovered when he signed with a Major League Baseball team in 1999 after his 35th birthday. Morris’ life became the subject of the 2002 Dennis Quaid movie “The Rookie,” filmed just after Morris’ major league career had ended. You might think that two years is a short time in the majors, but hey, you try throwing 98‑mph fastballs for hours a week, 104 weeks in a row! Besides, the careers of pro athletes aren’t nearly as long as icons like Tom Brady or Peyton Manning would have you believe. The average MLB career may be a few years longer than Morris stuck it out, but in the NFL? Most players make it less than three years and quit, depending on the position. While
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Do you get SAD? We’re talking about seasonal affective disorder, which affects 1%–10% of the population depending on the state you live in. Symptoms of SAD are similar to symptoms of depression, but unlike chronic depression, which can occur at any time, people with SAD only experience symptoms during a certain time of year, usually winter. SAD has been strongly linked with shorter days and less sun — although summertime SAD can result from long days that make sleep difficult, resulting in irritability and mood swings. In most cases, however, winter is the problem season, likely due to a link between less sun and a vitamin D deficiency. Depression is one common symptom of vitamin D deficiency, especially in patients who aren’t prone to depression due to other circumstances. Unfortunately, very few foods are good sources of vitamin D. The best source is sunlight itself. There are a few ways to combat wintertime SAD. Establishing a regular sleep schedule is important, as is an exercise routine and healthy diet. As mentioned, it’s hard to find vitamin D in foods, but milk and other food products are often intentionally enriched with it during processing. The most common solution, however, is taking a vitamin D supplement, which can be purchased over the counter at drugstores and grocery stores. It is commonly recommended for people living in places with harsher winters, and although there are negative side effects if taken in excess, a regular daily dose of vitamin D is a healthy way to ensure you have the right levels in your system. This month is the perfect time to begin that process. Vitamin D can take several months to build up to effective levels in our bodies. It may be the hottest time of the year in many places, but it’s also the ideal time to start fighting SAD early! Start Taking Vitamin D Now, Before the Sun Goes Away Fight SAD Early!
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Too late, I discovered I wasn’t really selling houses at all. I was selling the idea of a home, with all the complicated swirl of emotions that went with it. A couple would come to me and say, “We want to be in this school district, with this kind of house, built in this time period.” I’d go and find it, and they’d walk in and turn right around again and walk out. “Oh, that’s not what we mean,” they’d say. I was in a frustrating position — I didn’t know how to get buyers to articulate what they actually wanted, and I couldn’t figure out the emotional puzzle they’d set for me. It wasn’t their fault, though; my brain just doesn’t work that way. Since then, I’ve stuck with investments because I’m good at them. People come to me and say, “Here, you do it,” and I’m happy to help. I have other strengths, like hiring good people, and that is also because of how my brain works. Speaking of investments, I’m excited to say that I’ll be teaching monthly finance classes in person again very soon. Teaching via Zoom and internet is not my strength, but I knew I needed to provide the service I had been for years, and it was the only way to go during the pandemic. I spent dozens of hours training and learning, but I’m glad to put it mostly behind me. Watch this space for more updates on my in-person classes.
– Garry Liday
5-INGREDIENT CHICKPEA SPREAD
Slather this vegan chickpea spread on your favorite bread, top it with sliced veggies and sprouts, and pair it with an icy glass of lemonade for the perfect summer lunch.
INGREDIENTS • 1 15-oz can
DIRECTIONS
1.
In a medium bowl, combine all five ingredients. With a potato masher, crush chickpeas and mix all ingredients together. When the mixture is smooth, spread it onto your favorite bread to make a sandwich, add a dollop to salads, or scoop it with crackers for a delicious summer snack.
chickpeas, rinsed and drained 2 tbsp vegan mayonnaise (DIY or store-bought)
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2.
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1 tsp Dijon mustard
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1/8 tsp salt
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Black pepper, to taste
Inspired by TheKitchenGirl.com
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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 Stick to Your Strengths PAGE 1 Meet Odin, the Fireproof Dog PAGE 2 The Rookie: 3 Oldest Rookies in Sports History PAGE 2 Fight SAD Early! PAGE 3 5-Ingredient Chickpea Spread PAGE 3 Are You Ready for Apple Season? PAGE 4
Apple Season Begins! GET THE MOST OUT OF YOUR APPLE HARVEST
Brighton Woods Orchard, Burlington, Wisconsin This orchard features several varieties of apples, so it’s open well throughout the season. Their website even breaks down their apple varieties and lets visitors know the best times to stop by in order to pick the apples they want most! Check out all the selections at BrightonWoodsOrchard.com. A Little Closer to Home If you can’t make it to one of these three locations, why not see if there’s a local orchard that lets you pick your own apples or buy a fresh bundle? Before you go on your apple-picking adventure, here are a few quick tips to keep in mind.
Throughout many of the northern states, August is a big month because it’s the start of apple season! Orchards begin to harvest their early season crop, and many varieties of apples are starting to ripen and will continue to do so throughout the fall.
As these apples ripen, many orchards invite guests to their grounds to pick fruit and enjoy a day outdoors. Here are three orchards that are well worth the trip!
Stribling Orchard, Markham, Virginia Situated near the Shenandoah River in the hills of Virginia, this orchard has a rich history that goes back to the founding of the United States. As you pick apples, you can enjoy learning about the orchard’s past. Guests are also invited to bring a picnic as they harvest their bounty. Learn more at StriblingOrchard.com . Kiyokawa Family Orchards, Parkdale, Oregon Tucked away in the Hood River Valley just north of Mount Hood in Oregon, Kiyokawa boasts the largest U-Pick orchard in the valley and offers exceptional scenery for apple (and pear) pickers! There are many apples to choose from, but there are also fruit stands that sell cider, honey, and jam. Find out more at KiyokawaFamilyOrchards.com .
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It’s great for the whole family! Pick the apples, but don’t shake the branch. Set the apples gently in your carrier of choice so you don’t bruise the fruit! Apples on the outer branches ripen first.
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