Tips for Financial Success This Year
We are officially in 2019, and there’s no better time to start fresh with your finances than now by laying out your goals for the New Year. Follow these simple tips below to help your financial year start off on the right foot.

  1. Review your insurances. As time goes by, conditions and situations change. Therefore, it’s important to set aside some time to periodically review and reassess the needs of your family and yourself.
  2. Plan for the future. It pays to start any financial planning by understanding your assets and liabilities while setting aside an emergency fund. Since we don’t know what the future holds, it is always beneficial to prepare yourself and have adequate funds in the event of an emergency and any unforeseen expenses.
  3. Reduce your debt. Recovering from your holiday splurge can be tough. However, it can be achievable if you prioritize your debts and work on paying off the higher interest rate accounts first. This strategy will surely benefit you in the long run.
  4. Have some goals. You can’t plan without having financial goals in mind. Whether they are short-term, mid-term, or long-term, it will help you commit and hold yourself accountable. The end results can be rewarding!
  5. Work with a professional. Mapping out your finances for the entire year can be overwhelming, but you don’t have to go about it alone. As your qualified team, we are more than happy to sit down and discuss the range of options available for your goals and unique situation.

Questions? Feel free to call us at (618) 398-6861 and let us help you build a sound framework for achieving financial success this year. 
Solas New Year Soup

Here’s a delicious and hearty soup recipe that’s perfect for ringing in the New Year or for those cold winter nights in by the fireplace.

Here’s what you’ll need:
  • 1 tablespoon olive oil
  • 1 large onion, chopped
  • 4 cloves garlic, minced
  • 1 (10 ounce) package frozen bell pepper strips
  • Black pepper to taste
  • 1 cup sweet white corn
  • 1 (16 ounce) jar medium-hot salsa
  • 1 teaspoon chili powder
  • 2 (15 ounce) cans no-salt-added black beans, rinsed
  • 1 (15 ounce) can black-eyed peas, rinsed and drained
  • 1 (10.5 ounce) can chicken stock
  • 1 cube chicken bouillon
  • 3 cups water
  • ½ cup uncooked long grain rice

Directions:
  1. Heat the olive oil in a deep pot over medium-high heat. Stir in the onion, garlic, and bell peppers; cook until onions are transparent, and peppers are soft, about 10 minutes. Season to taste with black pepper. 
  2. Stir in the corn, salsa, chili powder, black beans, black-eyed peas, chicken stock, chicken bouillon cube, water, and rice. 
  3. Bring to a boil, then reduce heat to medium and simmer at least 30 minutes until the rice is tender.

Recipe adapted from All Recipes 1
Keep Your Hands Low

Limiting the height of the follow-through will effectively reduce the height of your shots. The lower the hands, the lower the ballflight. Moving the ball back in your stance or choosing a stronger club and trying to swing easy are other ways to achieve the same thing, but they're less reliable and more difficult to execute.

Recipe adapted from Golf Tips Mag 2
What Diet?

Losing weight always tops the list of New Year’s resolutions. It is often associated with cutting back on food or starving oneself, but in reality, diets are notoriously ineffective. As a matter of fact, “dieting” can lead to weight gain because starving your body can slow down your metabolism and/or may cause you to yearn for unhealthy snacks and meals. Instead of dieting, try combining healthy food choices with regular exercise. This combination is critical to maintaining a balanced, healthy lifestyle. 

Tips adapted from Healthline 3
By clicking on these links, you will leave our server, as they are located on another server. We have not independently verified the information available through this link. The link is provided to you as a matter of interest. Please click on the links below to leave and proceed to the selected site.

This document is for educational purposes only and should not be construed as legal or tax advice. One should consult a legal or tax professional regarding their own personal situation. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products offered by an insurance company. They do not refer in any way to securities or investment advisory products. Fixed insurance and annuity product guarantees are subject to the claims paying ability of the issuing company. Variable annuities are considered securities products and require one to have proper FINRA registrations, in addition to proper state insurance licensing, prior to selling or discussing such products.

[1] https://www.allrecipes.com/recipe/132553/solas-new-years-soup/ 
[2] https://www.golftipsmag.com/instruction/quick-tips/10-best-swing-tips-ever/ 
[3] https://www.healthline.com/nutrition/27-health-and-nutrition-tips#section26