Ideas for a Healthy New Decade

ideas for a healthy new decadeAgain this year, my favorite Christmas gift was a book. My son gave me The Secrets of People Who Never Get Sick. Author Gene Stone interviewed dozens of people who never get sick and asked them for their secrets. His book features 25 people who each possess a different secret of excellent health – one that makes sense and has a proven scientific underpinning. It got me thinking about ideas for a healthy new decade.

Some of the so-called secrets aren’t that astounding, though they’re presented with an interesting twist. Late comedian George Burns, who lived to be 100 years old, was remarkably healthy and fit his entire life. When asked to reveal his secret, he puffed on his cigar and said, “Eat half.” That’s a pretty easy one, considering the out-of-control portions served at many restaurants. Split that giant cheeseburger with someone.

Other ideas are more surprising and challenging. One example? Cold showers.

For thousands of years, ancient physicians recommended frigid showers for healing and to boost immunity. For me, that’s rough. A cold shower is not what I want on shivery mornings, despite Phoenix’s comparatively moderate winters. So I’m easing into the idea. My strategy is to pull back on the hot water just enough so that my shower is on the edge of warm and cold. Then I hurry out.

Another idea that takes some adjustment is consuming brewer’s yeast daily. A natural by-product of beer production, brewer’s yeast is a probiotic and excellent source of B vitamins and other nutrients. It looks like whole-wheat flour and tastes like liquefied pizza dough. I add a half-teaspoon to flavored, fizzy water, and then I choke it down. But, I’ve gotten used to it.

Maintaining financial health also involves a mix of simple ideas and uncommon though proven ones. Some are easier to put into action than others. At Perspective, we’re committed to helping you develop practical strategies to become and stay financially fit. Here’s to a physically and financially healthy new decade!

“I look to the future because that’s where I’m going to spend the rest of my life.” — George Burns

By |2020-01-17T09:36:55-07:00January 27th, 2020|Books, Financial Planning|

Temporary Office Closure

The Perspective offices will be closed the first week of February (Feb. 3 – 7) for renovations.

Our team will be working remotely during that time, and all our client services will remain available. Call or email if you need to speak to your advisor or require additional support.

By |2020-01-22T11:01:53-07:00January 22nd, 2020|Advisors|

Election Year Market Volatility

As we approach year-end, it is natural to consider what is on the horizon for 2020. One of the events taking place next year is the presidential election. Based on historical data, we know to expect some election year market volatility. This may lead you to ask, “How will the coming election impact my investments?”

Research assembled by Dimensional Fund Advisors (DFA) shows it’s hard to anticipate how markets will react based upon an election outcome. Nevertheless, patient long-term investors have benefited from staying the course regardless of which political party has governed the White House. (See chart below.)

“Investing during an election year can be tough on your nerves, but it’s mostly noise and the markets carry on,” says veteran Capital Group Portfolio Manager Greg Johnson. “Long‑term equity returns are determined by the value of individual companies over time. So, it’s better to stay invested than sit on the sidelines.”

Stay the Course

Uncertainty about relations with China, talk of potential recession, and the coming presidential election will make for an interesting 2020. Don’t let the inevitable corrections that take place in the market – over which we have no control – unnerve you. Being patient and staying invested through market ups and downs is key to meeting your long-term financial planning goals. Do your best to tune out the noise and focus on the things in life you can control.

Election Year Volatility

By |2019-12-09T15:11:10-07:00January 13th, 2020|Current Affairs, Investing|

Password Protection Tips

password protection tipsThere’s a lot of advice offered on what to do to create strong passwords. Knowing what not to do is just as important. In a recent article for, Kaitlyn Kieran offers password protection tips on what to avoid. Here’s a summary of three critical things to avoid.

  1. Steer clear of passwords containing easily-found information. A strong password does not contain elements found in your social media accounts. “If you constantly post about your dog, Fluffy, don’t make your password Fluffy_Lv3r,” Kiernan stresses. Also consider context. While H@rRy*P0tt3r is generally a strong password (because it includes a good mix of upper- and lower-case letters, characters and numbers), it’s a terrible password if you’re a member of a Harry Potter fan club or post quizzes to your page like, “What Hogwarts house would you be sorted into?”
  2. Avoid using the same password for multiple accounts. “You might think a security breach at, say, LinkedIn doesn’t matter – they have your resume, so what?” Kieran writes. “But if you use the same password, or even a similar one, for LinkedIn as you do for your bank account or Facebook or any number of other applications, a hacker can soon find a way to wreak havoc in your financial and personal life.”
  3. Pass on the option to link accounts. When you are new to a website and it says you can create a new account or log in using your Facebook, Google or email account, create the new account instead. While linking accounts is quick and easy, that convenience comes at cost. Linked accounts often share private data (whether you realize it or not), which can make identity theft easier. And, allowing one account to have access  to others means that if the least secure account is hacked, the rest could also be compromised.


By |2019-12-09T15:18:48-07:00December 30th, 2019|Current Affairs|

Make Positive Life Changes

Many people dream about suddenly getting a large sum of money. You win the lottery. Perhaps you receive a significant inheritance. But few think about how they will handle the responsibility of their newfound wealth. Lupe Camargo recalls a young woman who came to her for help. The woman had not handled money well in the past and feared she would make poor choices with a recent inheritance. They discussed small steps she could take to make positive life changes that would have lasting impact on her finances and her family’s well-being.

In this moving, five-minute video, Lupe shares the impact this experience had in her own life and career, as well.

By |2019-08-14T13:59:43-07:00December 9th, 2019|Advisors, Financial Planning, Video Blog|