ECONOMIC CALENDARMonday: Housing Market Index Tuesday: Housing Starts Wednesday: Existing Home Sales Thursday: GDP,Jobless Claims Friday: Durable Goods Orders, New Home Sales, Consumer Sentiment Notes: All index returns (except S&P 500) exclude reinvested dividends, and the 5-year and 10-year returns are annualized. The total returns for the S&P 500 assume reinvestment of dividends on the last day of the month. This may account for differences between the index returns published on Morningstar.com and the index returns published elsewhere. International performance is represented by the MSCI EAFE Index. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly.
Quote Of The Week
“Confidence is that feeling by which the mind embarks in great and honorable courses with a sure hope and trust in itself.” – Cicero
Recipe Of The WeekLamb Sausage With Confetti Couscous Serves 4 Ingredients: 1 ¼ pounds Brussels sprouts, trimmed and cut in half 2 tablespoons olive oil ½ teaspoon salt ¼ teaspoon pepper 1 pound sausage links, lamb, pork, or chicken 1 cup couscous, cooked 2 medium carrots, chopped finely 2 small sweet peppers, chopped finely ½ cup fresh mint, chopped Directions: Preheat oven to 475ºF, and coat Brussels sprouts with olive oil and ¼ teaspoon each of salt and pepper. Place prepared Brussels sprouts on a greased, rimmed baking sheet, and put into oven. Roast for about 15 to 20 minutes, or until they tenderize and brown. Cover another baking sheet with aluminum foil, and put the sausage links on the sheet while the Brussels sprouts cook. Place baking sheet with sausage in oven and cook for about 15 to 20 minutes, or until links reach 165ºF. Mix the finely chopped carrots, peppers, and fresh mint into the cooked couscous. Add 1 tablespoon olive oil and remaining ¼ teaspoon salt. Toss until thoroughly combined. Top couscous with cooked sausage and serve with a side of Brussels sprouts. Recipe adapted from Good Housekeeping
Tax TipsProtect Your Small Business From Identity Theft* Identity thieves do not just target individuals. The IRS has also seen a rise in identity theft targeting small businesses, putting their owners, shareholders, and others at risk. Here are some tips to help you stay ahead of the scams: Look for These Signs If your business has been a victim of identity theft, you may notice the following: You receive a rejected e-file return from the IRS, stating they already have one for your identification number. The IRS turns down your extension request, stating they already have one for your identification number. The IRS sends you a notice on a detail you have not submitted to them. You receive a tax transcript you didn’t request or expect. Other details may apply, and you can find more information on the IRS website. * This information is not intended to be a substitute for specific individualized tax advice. We suggest you discuss your specific tax issues with a qualified tax advisor. Tip courtesy of IRS.gov
Golf TipPractice With a Paddle to Improve Your Swing Holding your hands correctly when you swing helps give you the direction and power you need to move the ball. Some golfers often just pick up and play, without paying attention to where they place their hands on the club. For the best grip, your top hand should give you leverage while your bottom hand remains square. You can practice this grip by swapping your club for a paddle (like what’s used in table tennis): Hold the paddle in one hand with the paddle face perpendicular to the ground. Keep your hand in the same grip position, which will reflect where you need your clubface during a swing. This should mimic having your bottom hand’s position square to the clubface. Practice swinging the paddle like you are going to hit a ball. Repeat multiple times until you feel comfortable with the grip. This technique should help square your bottom hand to the clubface at impact. Tip adapted from Chris Johnston | Golf Tips Magazine
Healthy LifestyleKnow the Signs of Osteomalacia Osteomalacia is a condition that results in bone softening – which differs from bone thinning (osteoporosis). Most commonly developed from deep deficiencies in Vitamin D and calcium, other contributors like kidney or liver disorders can also cause osteomalacia. Older adults are often prone to developing this condition, which can lead to bone fractures. What are the symptoms? In the first stages of developing osteomalacia, you may experience no symptoms, even if an X-ray picks up on the condition. As it worsens, you may start feeling pain in your bones and muscles, most commonly in the following areas: Legs Lower back Hips Pelvis Ribs The pain often worsens at night or whenever you put pressure on your bones. Eventually, you may end up having difficulty walking due to muscle weakness. Consult your doctor if you or a loved one may have symptoms. Tip adapted from Mayo Clinic
Green LivingFoods That Contribute to Deforestation Many of the foods you eat every day may directly contribute to forest destruction. In fact, agriculture is responsible for 70% of the forests torn down in the tropics. By better understanding the sources of the food you’re eating – and their environmental impact – you can minimize how much you affect global deforestation. Here are 2 common food items to be aware of: 1. Palm Oil: As one of the most processed foods on the planet (in 50% of total consumer goods), palm oil is contributing to deforestation at alarming rates. Every hour, the industry rips down 300 football fields worth of tropical forests to plant palm trees, since they grow best in tropical climates. Check the ingredients and purchase products without palm oil. 2. Coffee: One of American’s favorite drinks is made from beans that, today, typically grow on plantations converted from rainforests. For perspective, a person who drinks 3 cups of coffee each day needs 18 trees to cover their habit. Next time you want a boost, look for “shade grown” coffee, which means it minimally affected the deforestation of native plants. Tip adapted from One Green Planet
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DisclosuresInvesting involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Diversification does not guarantee profit nor is it guaranteed to protect assets. International investing involves special risks such as currency fluctuation and political instability and may not be suitable for all investors. The Standard & Poor’s 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. The Dow Jones Industrial Average is a price-weighted average of 30 significant stocks traded on the New York Stock Exchange and the NASDAQ. The DJIA was invented by Charles Dow back in 1896. The Nasdaq Composite is an index of the common stocks and similar securities listed on the NASDAQ stock market and is considered a broad indicator of the performance of stocks of technology companies and growth companies. The MSCI EAFE Index was created by Morgan Stanley Capital International (MSCI) that serves as a benchmark of the performance in major international equity markets as represented by 21 major MSCI indices from Europe, Australia and Southeast Asia. The S&P/Case-Shiller Home Price Indices are the leading measures of U.S. residential real estate prices, tracking changes in the value of residential real estate. The index is made up of measures of real estate prices in 20 cities and weighted to produce the index. The 10-year Treasury Note represents debt owed by the United States Treasury to the public. Since the U.S. Government is seen as a risk-free borrower, investors use the 10-year Treasury Note as a benchmark for the long-term bond market. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. You cannot invest directly in an index. Consult your financial professional before making any investment decision. Fixed income investments are subject to various risks including changes in interest rates, credit quality, inflation risk, market valuations, prepayments, corporate events, tax ramifications and other factors. Notes: All index returns (except S&P 500) exclude reinvested dividends, and the 5- year and 10-year returns are annualized. The total returns for the S&P 500 assume reinvestment of dividends on the last day of the month. This may account for differences between the index returns published on Morningstar.com and the index returns published elsewhere. International performance is represented by the MSCI EAFE Index. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly.
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