Goldilocks Returns

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.

• 4 ounces lower-sodium Swiss cheese, very thinly sliced
• 4 ounces lower-sodium deli ham, very thinly sliced
• ½ cup thinly sliced dill pickles, patted dry
• ½ cup packed fresh cilantro
• 8 (6″) flour tortillas
• Spicy brown mustard, for serving

Directions:

1. Spray a large baking sheet with nonstick cooking spray.
2. Distribute lower-sodium Swiss cheese, lower-sodium deli ham, dill pickles, and cilantro on 4 flour tortillas on the prepared sheet.
3. Put another flour tortilla on top of each.
4. Spray the tops with the nonstick cooking spray.
5. In 475°F oven, bake until bottoms are golden brown, 6-8 minutes.
6. Use spatula to turn over sandwiches.
7. Bake until deep golden brown and crisp, 6 minutes.
8. Serve with spicy brown mustard.

Here are some top tips to put the squeeze on the ache:

• Keep Cool. Use an ice pack on your forehead, scalp, or neck. Experts believe reducing blood flow may lessen the pain.
• Go Over the Counter. For pills, that is. Painkillers like ibuprofen and naproxen reduce the inflammation that causes the pain. Aspirin and acetaminophen also help.
• Go Go Java. Caffeine in coffee helps provide mild relief. It also helps your body absorb medicine more quickly.
• Peace and Quiet. Loud and bright aren’t good for headaches. Find a place that’s quiet and dark. The lack of stimuli will make recovery faster.
• Get a Move On. Exercise is great for preventing headaches. But don’t exercise when you have a headache.
• Maximizing Magnesium. Studies indicate this mineral may help prevent a headache. However, it won’t relieve one you already have. Magnesium is in dark-green vegetables, whole grains, and nuts. You can also get it in supplement form.
• Nighty Night. A good night’s rest is a good way to help prevent migraines. But watch the time. Too little (or too much) may actually trigger a headache. Try for 7-8 hours per night.
• To B or Not to B. We’re talking vitamin B2, which is riboflavin. It’s found in milk, cheese, fish, and chicken.

Finding relief can be easy as implementing a few preventative measures.

Tip adapted from WebMD [15]

Put an End to Junk Mail: Go Green at Home

A lot of trees go into making your mail. In fact, it takes half of a tree to make a carton of 100%, non-recycled, 20-pound copier paper.

Do the mailbox math and a lot of trees go into keeping you abreast of store deals and discounts, account balances, notices, and current events.

How can you make your mailbox go green? Here are 10 tips for creating a more environmentally friendly postal service:

1. Set a goal of receiving no mail. Many service providers and banks offer paperless services.
2. Go to The Data and Marketing Association to get yourself removed from businesses’ marketing lists.
3. Every month or so, call or email companies that send you unwanted mail.
4. Mark “refused, return to sender” on unwanted letters with “return service requested,” “forwarding service requested,” “address service,” or “change service requested.”
5. Call 888-5OPTOUT or go to www.optoutprescreen.com to block receiving unsolicited credit card offers.
6. Contact Val-Pak Coupons and Valassis to be removed from direct marketers’ lists.
7. Call your credit card companies and ask them to stop selling your name to marketers.
8. Don’t fill out “contest” cards. Businesses are often only looking to expand their prospects’ lists.
9. Write “do not sell my name or address” on letters or correspondence when you donate money or order products or services.
10. Read online news and magazines rather than paper.

Going green – and saving the trees – can be remarkably easy in the digital society.

Tip adapted from Global Stewards [16]

Copyright © 2018. All Rights Reserved. 

Disclosure/Resources

Investing 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 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.

These are the views of Platinum Advisor Strategies, LLC, and not necessarily those of the named representative,

Broker dealer or Investment Advisor, and should not be construed as investment advice. Neither the named representative nor the named Broker dealer or Investment Advisor gives tax or legal advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. Please consult your financial advisor for further information.

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