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Clear Creek Financial Management March 1, 2016
Health Guru
Here are some very simple “life hacks” to improve your health:
Do common small tasks with the opposite hand than normal (i.e. brush your teeth). Your brain will need to adapt, and self control will improve.
C h e w p e p p e r m i n t o r cinnamon gum while driving. It has been known to decrease frustration by 25%, increase alertness by 30%, and make the ride seem shorter by 30%.
20 push-ups, 15 squats, 50 jumping jacks, 30 crunches repeat 3 times = Burn 100 calories.
Quotable Quote
“It is one of those March days when the sun shines hot and the wind blows cold: when it is summer in the light, and winter in the shade.”
- Charles Dickens, Writer
“Spring is the time of plans and projects.”
- Leo Tolstoy , Writer
#CLEARNEWS Ben Warren | Brian Deely | Joe Gates
Peace through Planning Part of the American Dream is to be financially independent by age 55. If I’m 54 years or younger what are the ways to make this a reality? !
Live below your means. As you near your target age of financial independence begin to limit your fixed expenses. You can chip away at your mortgage and maintain your current car without upgrading every 3 years. “Plan on living frugally to help yourself build a “nest-egg” of 25 times your expenses in retirement,” says Sheyna Steiner, analyst at Bankrate. !
Appropriate aggressiveness. Individuals who position all their investments conservatively before or in the early years of retirement may not have the horse-power to fund there entire retirement. !
Plan for health care. If you retire at age 55 you’ll have 10 years to pay for health insurance which can be one of your highest expenses. !
Find your passion. You’ll likely have plenty of time to devote to your hobby or passion. When you “hang up the hat” as yourself, what am I going to do now?!
Bottom Line: Seek assistance in establishing a plan.
Clear Creek Financial Management March 1, 2016
Calendar of Events
Here is a brief overview of the e v e n t s a n d a n n o u n c e m e n t s coming up in the next month.
• March 4 Economic Indicators
• Private Payroll 180k
• Unemployment Rate 4.9%
• March 13 Daylight Saving Time Begins
• Move your clocks forward 1 hour
• March 17 St. Patricks Day
• March 20 Spring Begins
• March 27 EasterFebruary Recap
February finished mostly flat following the record sell-offs from January. Spending was soft in the manufacturing sector and for business equipment. Housing data suggests further gradual improvement. Labor force participation rose very slightly for the third quarter in a row. Inflation rates remain very low. Financial markets and commodity prices remain very volatile. Consumer spending continues to be solid. !
Much of the world and domestic small cap indexes have dropped into bear market territory.
Disclosure!
This commentary in this newsletter reflects the personal opinions, viewpoints and analyses of the Clear Creek Financial Managements, LLC employees providing such comments, and should not be regarded as a description of advisory services provided by Clear Creek Financial Management, LLC or performance returns of any Clear Creek Financial Management, LLC Investments client. The views reflected in the commentary are subject to the change at any time without notice. Nothing on this newsletter constitutes investment advice, performance data or any recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. Clear Creek Financial Management, LLC manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Investments in securities involve the risk of loss. Past performance is no guarantee of future results.
Clear Giving
During a recent trip to an education conference in Orlando, Florida both Joe Gates and Ben Warren participated in a United Way “bike build event.” They successfully assembled three bicycles toward the goal of 100. At the conclusion of the event Joe and Ben were able to help present the bikes to children. “Their wide-eyed expressions of joy was priceless,” said Joe Gates as he reminisced about the experience. !
We will always do our best to stay in touch with you. However, we encourage you to communicate with us as well. If you see an article we might find of interest? Email us! If you have a concern which may affect your time horizon? Contact us!
Housekeeping
Deadlines are approaching for your 2015 retirement account contributions. The correct savings now can limit your taxes now and/or in retirement. Contact us to find out how much you can contribute.
