October News Update | McIntosh & Associates, Inc.

Medicare Open Enrollment

Medicare annual election period runs October 15 through December 7. During this time, you can make changes to various aspects of your coverage and review your medical or prescription plan needs. We will also do a complimentary retirement check up to ensure your coverage is adequate for the coming years of retirement. Things to consider:

  • Is your Medicare plan still functioning optimally?
  • Have your prescription needs changed?
  • Are you prepared for hidden costs through your retirement?
  • Have you had life changes necessary to make some modifications to your plan’s functionality?

CLICK HERE to learn more and schedule your consultation.


Tips for Preventing Identity Theft

Protecting yourself from identity theft is essential, and in order to truly secure your financial life, you must take a number of steps. From the information you share on checks to the online passwords you create, thieves can steal your identity in a variety of ways. To help proactively prevent identity theft, we have some great tips … READ MORE


Financial Tips for Newlyweds

Just over 2 million couples tied the knot last year, a rate of 6.9 per 1,000 total population. About 70% of those couples have argued or will argue about money. Disagreements about finances top other subjects such as household chores, snoring, togetherness, sex, and what’s for dinner. READ MORE


Book of the Month

Get What’s Yours for Medicare

Get What’s Yours for Medicare will be released in early October. It covers everything you need to know about Medicare, including the annual open enrollment season that runs from Oct. 15 through Dec. 7. “The indispensable guide to Medicare that does for this essential program what Get What’s Yours does for Social Security.” — Jane Bryant Quinn, author of How to Make Your Money Last and Making the Most of Your Money Now


“Never mind what others do; do better than yourself, beat your own record from day to day, and you are a success.”

– William J. H. Boetcker

Mexican Quinoa Salad with Orange Lime Dressing

Ingredients:

Salad (Place all ingredients in a large bowl.)
5 to 6 cups mixed greens
1 cup cooked quinoa (red or white)
1 cup frozen corn
1 cup cooked black beans, seasoned with equal parts sea salt, cumin, chili, and garlic powder (save your bean liquid for the dressing)
¼ cup diced red onion
1 orange, segmented
½ ripe avocado, chopped
¼ cup of fresh cilantro, chopped or torn

Dressing (Blend all ingredients until smooth.)
½ ripe avocado
1 large lime, juiced (about 4 TBSP)
2 TBSP orange juice concentrate or 4 TBSP fresh orange juice
1 to 2 tsp sweetener of choice (agave, maple syrup, honey)
1 to 2 tsp hot sauce
¼ tsp cumin powder
1/8 tsp chili powder
generous pinches of sea salt and black pepper
1 TBSP fresh minced cilantro
3 to 4 TBSP black bean liquid (from can or water)

Directions:

1. Pour salad dressing on salad.
2. Toss to distribute evenly.
3. Eat and enjoy!

The Foundation for Healthy Sleep Habits

Sleeping at least seven high-quality hours is essential for optimal health. Sleep gives you the foundation for all your daily habits and decisions.

Sleep deprivation can negatively affect your mood and temperament, as well as your ability to focus on daily tasks. Lack of sleep influences what and how much you eat. During the rapid eye movement (REM) stage of sleep, your brain sorts the important information from the unimportant and files long-term memory. Sleeping fewer than seven hours a night is associated with weight gain, diabetes, high blood pressure, and depression, among other health risks.

On the flip side, making sleep a priority might help you achieve your other wellness goals, such as stress management. When your body and mind are well-rested, you’ll be able to respond to life with greater perspective and understanding. Try these tips for getting better sleep and creating the foundation for your overall wellness.

Set a sleep goal. Aim to get at least seven hours of sleep a night so that you have the energy to tackle everyday demands.

Establish a regular bedtime and honor it. The first step to behavior change is making a commitment toward what you want to accomplish and sticking to your plan.

Eat healthier foods. The next time you find yourself mindlessly snacking, ask yourself if you may be tired rather than hungry. It’s common to mistake fatigue or emotions for hunger.

Ease into sleep. Try deep breathing, progressive muscle relaxation, gentle stretching, or guided imagery to help focus your attention away from worries and into the present. If your busy mind keeps you awake, jot down your thoughts in a journal or on a pad of paper by your bed.

Minimize Your Carbon Footprint

The ways you live your life, from how you wash laundry to the amount you throw away, all comes with a carbon-footprint price tag. In fact, simple choices around your home may be increasing the amount of carbon dioxide you release into the atmosphere. You can better control your contributions by knowing how many pounds of carbon you release and save by changing your habits. Here are some ways you can reduce your carbon footprint:

Recycle aluminum and steel: Reusing existing metals to make new cans minimizes carbon output. When you recycle, you reduce the energy needed to make an aluminum can by up to 95% and a steel can by 74%, saving 414 pounds of CO2 annually.

Wash laundry using cooler temperatures: Using hot water to wash your clothes contributes around 90% of your laundry’s energy use. You can save up to 349 pounds of CO2 each year by switching half of your loads from hot to warm. For this effect, you also need to wash the other half of your loads with cold water.

Drive the speed limit: Obeying posted speed limits can do more than save you from driving tickets—it can also improve your fuel economy by 15% and decrease gas costs by $200 annually. Further, driving 65 miles-per-hour instead of 75 keeps 1,500 pounds of CO2 from entering the atmosphere annually.