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Archives for November 2016

Holiday Rewards Shopping

To help save money this holiday season, take a look at how many rewards points you’ve accumulated on your credit cards. If you’re not saving them for airline tickets, browse the company’s rewards website to find out what other goods, services and gift cards you may be able to exchange them for.

If you have a substantial accumulation of rewards points that can be used for travel, consider gifting them to friends or family — even using them to help pay for their travel to visit you during the holidays. Check with your specific credit card issuers for instructions on how to redeem or gift rewards points.

The Multifactor Approach

The multifactor approach to investing combines multiple variables, like size and volatility, with the goal of achieving more consistent performance over time. The idea is that when one factor is underperforming, the other factor may be outperforming.

There are merits to various approaches to investing, whether you’re seeking out lower volatility or larger returns. However, over time, even investments traditionally associated with good long-term performance will occasionally underperform. The idea of multifactor investing is that different factors perform well at different times, and the diversification may be able to help avoid volatility.

The multi-factor approach is based on the following tenets:

  • Similar stocks tend to have similar risk/return profiles
  • Filtering information mathematically instead of qualitatively allows for the identification of specific underlying factors that drive returns
  • This mathematical approach eliminates human or subjective behavioral biases

Please remember that 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.

A Vision of Health

Gradual vision loss is part of the aging process, but it affects people of all ages. In fact, about 75 percent of all adult Americans use some sort of vision correction: 64 percent wear glasses; 11 percent wear contacts. On top of that, 14 percent use non-prescription glasses for reading.

Research has found that eating certain types of foods may actually help prevent vision problems. For example, vitamins C and E and the mineral zinc have been shown to help slow the progression of macular degeneration.

Eating foods rich in lutein and zeaxanthin are believed to aid pigment density in the macula. These two carotenoids are found in kale, spinach, Swiss chard, collard greens, broccoli, Brussels sprouts and orange peppers.

Another good food for retinal health is the omega-3 fatty acid DHA (docosahexaenoic acid), which exists in wild-caught Alaskan salmon, sardines, flaxseed and walnuts. Alaskan salmon also contains astaxanthin, which offers protection from ultraviolet radiation. Some studies have claimed astaxanthin is an important nutrient that may help prevent blindness.

Although difficult to find, the bilberry (a close relative of the blueberry) contains high amounts of anthocyanins, which may help protect eyes during retinal inflammation. Black currants also contain this nutrient.

And finally, there is some evidence that the natural bright light of being outdoors may enhance vision health through (conservative) exposure to UVB rays, which generates the production of vitamin D.

Danielle Christensen

Paraplanner

Danielle is dedicated to serving clients to achieve their retirement goals. As a Paraplanner, Danielle helps the advisors with the administrative side of preparing and documenting meetings. She is a graduate of the College of St. Benedict, with a degree in Business Administration and began working with Secured Retirement in May of 2023.

Danielle is a lifelong Minnesotan and currently resides in Farmington with her boyfriend and their senior rescue pittie/American Bulldog mix, Tukka.  In her free time, Danielle enjoys attending concerts and traveling. She is also an avid fan of the Minnesota Wild and loves to be at as many games as possible during the season!