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		PAY DOWN DEBT OR SAVE FOR RETIREMENT¹ Like many people, you may be torn between paying off debt and the need to save for retirement. Both are important. READ MORE

		5 TIME MANAGEMENT TIPS THAT CAN BOOST YOUR CAREER4 Disorganized? Learn a few simple steps to organizing your calendar. READ MORE

Top 5 Travel Security Tips ⁵ Plan Before You Go The last thing you want is to arrive at your destination and find out that the country is embroiled in a civil war or coup attempt. Read up on the country (or countries) you're visiting and check with the U.S. State Department to make sure there aren't any travel alerts or warnings for that country. Stay Healthy Before you travel, familiarize with the illnesses that are common in your destination. The Centers for Disease Control and Prevention (CDC) keeps an updated list of health information for countries around the world, and the World Health Organization (WHO) keeps track of international disease outbreaks. Protect Your Belongings Let's just be clear here: Leave the diamonds at home. Don't bring anything with you that you'd hate to lose. If you do bring any valuables with you, leave them in the hotel safe when you go out. Protect Yourself Don’t travel alone. There is safety in numbers. Don’t share your personal information with anyone you don’t know. Be careful about your interactions with strangers. Keep a Low Profile You don't need to announce that you are a tourist to anyone within earshot. In fact, making your presence known can be a dangerous proposition in countries where kidnappings and terrorist attacks are common.		Top 10 Facts About January ² 1. The Anglo-Saxons called January “Wulfmonath” as it was the month hungry wolves came scavenging at people’s doors. 2. The Romans named it January after Janus, the God of gateways. 3. Janus had two heads so he could look in both directions, back at the old year and forward towards the New Year, at the same time. 4. According to the International Standard Organization’s ISO 8601, week 1 of any year is the week including January 4. 5. Daytime temperatures in January make it the coldest month of the year in the UK. February nights are colder in England (but not Scotland). 6. The only Shakespeare plays that mention January are Much Ado About Nothing and Winter’s Tale. 7. The birthstone for January is the garnet; the flower is the carnation. 8. The first recorded reference to a “January sale” in the UK was in 1865. 9. There is a variety of cold-tolerant winter cabbage grown in England known as January King. 10. More couples separate or divorce in January than in any other month.

CONSERVING WHAT YOU HAVE SAVED

Most of our adult life, we have focused on accumulating wealth for retirement. To do that, we often invest in riskier investments with the hope of growing our nest egg quicker. As you get closer to retirement, the preservation of your nest egg can become more important than the growth of it.

Our firm uses a simple tool called the Rule of 100 as a rule of thumb to help you decide how much of your money should be exposed to risk and how much of your money should be in more conservative assets.

Call (800) MONEY-SHM or visit www.shmfinancial.com to get our Rule of 100 Worksheet that will help you figure out what risk level you should have with your assets.

EASY SLOW COOKER CHILI3

When you look at your Crock Pot, what do you see bubbling inside? We see chili — the most basic, easy use for your slow cooker. It’s a protein-packed, savory, filling warm dish especially good for cold days. To start developing the flavors, sauté the vegetables, ground beef, and spices, then put the mixture into the Crock Pot along with tomatoes and kidney beans. Let it do its thing overnight or all day until it’s thickened and has a nice beefy flavor, and then stir in jalapeños for a kick of heat.

Ingredient List 3 tablespoons vegetable oil 2 medium yellow onions, medium dice 1 medium red bell pepper, medium dice 6 medium garlic cloves, finely chopped ¼ cup chili powder 1 tablespoon ground cumin 2 pounds lean ground beef 1 ½ teaspoons kosher salt 1 (28-oz) can diced tomatoes 1 (14-oz) can tomato sauce 2 (15-oz) can kidney beans, drained and rinsed ¼ cup coarsely chopped pickled jalapenos or green chilies For serving: Shredded cheddar cheese Thinly sliced scallions Sour cream		Instructions: Heat the oil in a large frying pan over medium heat until shimmering. Add the onions and bell pepper, season with salt, and cook, stirring occasionally, until softened, about 8 minutes. Add the garlic, chili powder, and cumin, stir to coat the vegetables, and cook until fragrant, about 1 minute. Add the ground beef and measured salt and cook, breaking the meat into small pieces with a wooden spoon, until the beef is no longer pink, about 7 minutes. Transfer the mixture to the slow cooker, add the diced tomatoes and their juices, tomato sauce, and beans, and stir to combine. Cover and cook until the chili thickens and the flavors meld, about 8 hours on low or 6 hours on high. Stir in the jalapeños or green chiles. Taste and season with salt as needed, and serve with the cheese, scallions, and sour cream.

1 Broadridge Investor Communication Solutions, Inc. Copyright 2016.
2 http://www.express.co.uk/life-style/top10facts/549736/Top-10-facts-about-January
3 http://www.chowhound.com/recipes/spicy-slow-cooker-beef-chili-30669
4 http://www.forbes.com/sites/lisaquast/2016/02/29/5-time-management-tips-that-will-boost-your-career/#7457b1f755e1
5 Stephanie Watson "Top 5 Travel Security Tips" 5 August 2010.
HowStuffWorks.com. 22 November 2016

The SHM Financial Group does not provide tax or legal advice. Please consult a qualified professional for assistance with any tax or legal issues.

The SHM Financial Group and the Molotsky Tax Advisory Group, LLC are not affiliated with or endorsed by the Social Security Administration or any government agency.

Some of these materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The information in thesematerials may change at any time and without notice.

Ph: 800-MONEY-SHM
Email: shmfinancial@msn.com
Web: www.shmfinancial.com

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