Utah’s hidden gem. The pound cake is incredible and completely reminds me of fall with every bite. Using sparkling apple cider in the batter and the glaze gives it a delicious and unique flavor. Ingredients: 3/4 cup butter, softened 1 1/2 cups sugar 3 large eggs 1 1/2 cups all-purpose flour 1/4 teaspoon baking powder 1/4 teaspoon salt 1/2 cup sparkling apple cider      For the Glaze: 3/4 cup confectioner’s sugar 3 to 4 teaspoons sparkling apple cider Directions: Preheat oven to 350°. Line bottom of a greased 9×5-in. loaf pan with parchment paper; grease paper. In a bowl,
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  How prepared are you for retirement? Since 2011, the Insured Retirement Institute (IRI) has conducted a study every year on baby boomers aged 56 to 72 to reveal their readiness for retirement. According to this year’s study on the generation, only 55% of boomers have any money saved for retirement1. Some of the mistakes made by the people of this generation can be referred to as the “7 Deadly Sins of Retirement” according to MarketWatch.com: Not saving enough money – or any money at all, for that matter Spending and/or tapping into your retirement savings Neglecting to calculate your
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This is a delicious BBQ steak salad with a sesame-rice vinegar dressing. Ingredients: 1 (12 ounce) rib eye steak 1 tablespoon soy sauce 1 teaspoon Montreal steak seasoning, or to taste 1/2 lemon, juiced 2 tablespoons rice vinegar 2 tablespoons olive oil 2 tablespoons white sugar 1/2 teaspoon sesame oil 1/4 teaspoon garlic powder 2 pinches red pepper flakes 10 leaves romaine lettuce, torn into bite-size pieces 1/2 large English cucumber, cubed 1 avocado – peeled, pitted and diced 1 tomato, cut into wedges 1 carrot, grated 4 thin slices red onion 3 tablespoons toasted sesame seeds Directions: Season both
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Your legacy is what you leave behind to loved ones and heirs after you’ve passed on, including assets, life-lessons and possessions.1 Losing a loved one is difficult, and you could lessen the stress of your family members by implementing a plan that takes care of your inheritance prior to your passing. Legacy planning can include leaving instructions for funeral arrangements, health directions, late-life care, wills and trusts. A case study conducted by Merrill Lynch found that only about half of survey respondents ages 55+ have a will in place.1 Part of this delay is simply due to the fact that
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Ingredients: 2 cups shredded rotisserie chicken 1 cup (8 ounces) sour cream 1-1/2 cups salsa verde, divided 8 corn tortillas (6 inch) 2 cups chopped tomatoes 1/4 cup minced fresh cilantro 2 cups shredded Monterey Jack cheese Optional toppings: Salsa, avocado slices, thinly sliced green onions or fresh cilantro leaves Directions: Combine the chicken, sour cream and 3/4 cup salsa in a small bowl. Spread 1/4 cup salsa on the bottom of a greased 8-in. square baking dish. Layer with half of the tortillas and chicken mixture; sprinkle with half the tomatoes, minced cilantro and half of the cheese. Repeat
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Did you know that the age at which you start collecting Social Security has a big impact on the amount of money you receive every month from the program? Waiting to collect your benefit could cause it to grow by up to 8% until the age of 70, but collecting before your full retirement age could result in as much as a 25% permanent reduction of your benefit amount. But there are other factors to consider rather than simply age alone.  When choosing the best way to file in order to maximize your lifetime Social Security benefit, you have more
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Jan and Terry Keefe are shown at the summit of Wheeler Peak, Great Basin National Park, Nevada, elevation 13,065 ft. Jan grew up in Salt Lake, attending Granite High School. She says she lived a very average life, and some of her favorite childhood memories include spending time with her family, going hunting or camping, and getting a chance to grow closer. She and her siblings – three brothers and two sisters – had everything they needed and their parents treated them well. Her father was a police officer for the Salt Lake City Police Department, and Terry teased her
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Medicare Open Enrollment ended in December, but there are two other enrollment options that began at the beginning of 2019 and are still in effect until the end of March: Medicare Advantage Open Enrollment and the Medicare General Enrollment Period (GEP). From 2011 to 2018, people were not given the option to switch to a different Medicare Advantage plan outside of the fall open enrollment period (unless they were enrolled in a Special Enrollment Period).1 Starting in 2019, the Medicare Advantage Open Enrollment Period has been placed into effect,2 which allows you to make different types of changes to your
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At Eric Scott Financial, we’ve worked with people on their retirement planning for decades, and during that time, we’ve helped people make decisions at important points along their journey. Our retirement planning process encompasses what we call “The Five Crossroads.” Here is a brief summary of each one. Retirement Income Once you stop working and having a regular paycheck coming in, your income becomes a top priority. We look at optimizing your Social Security along with any pensions, and then we help you create income streams from the assets you’ve accumulated. Our goal is to set you up with reliable
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One of the most important issues people face as they prepare for retirement is how to position their investments so that they can live their retirement years to the fullest. We often find that people are concerned about not having enough money in retirement, yet they don’t always get the difference between running out of money versus running out of income. The latter is the bigger threat. It goes like this: When we’re working, we can withstand the loss of a paycheck, but the loss of our job is more devastating since we wouldn’t have anything to live on. This
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