JAWIB Industry Expert Toukata Suyoto - Savings For Now And The Future

Are we saving enough for our future, or are we saving enough for now?  Many Americans aren’t saving enough.  We are saving less than 5 percent compared to Japan’s personal savings rate at 15 percent.  We need to increase our savings in the US to at least be a national standard that we can retire comfortably.  Our Gen X and Gen Y are learning a hard lesson from their parents.  A quarter of respondents from the ‘Gen Y’ generations –born between 1977 and 1989 said they were funding both their 401k or 403b plans and their IRA’s.  And 23 percent of ‘Gen Xers’ born between 1965 and 1977 said they were funding both.  The good news is that many working American, especially those who are young are taking advantage of savings for retirement in a tax free environment through options like an IRA despite a tough economy.  But funding these accounts on a regular basis is the key-even if it’s a small amount. Every year that you don’t fund your IRA is lost opportunity for tax regrowth.  In these difficult economic times more and more Americans are finding that they are not prepared for retirement.  Now is the time and I think Americans are ready for it.  People are growing weary of a plastic life, paid for by plastic cards on revolving accounts that never get paid off.  People are also growing leery of foreigners taking greater control of our resources-even to the financing (at a handsome profit) of our national debts.  As a nation, we should make a commitment to do all the right things to put our country on  a sound track financially (which public opinion polls show we all want), and to embrace as an individuals a strategy of personal savings and investment, no matter how small.

Finally with tax season upon us-it is not too late to take advantage of opening an IRA accounts, please consult your tax advisor to which type of an IRA best fit you and your retirement goals.  Please visit any Zion’s Bank branches to open your future for a better retirement life. 

 For more information for your future savings and budgeting please visit www.zionsbank.com/learning-center.  Zion’s Bank has team up with David Ramsey’s Financial Peace University to manage your money, to eliminate debt, and to build wealth.  It takes just 91 days for Zions Bank to teach you how to be debt free.

Valentine's Ideas from A Perfect Arrangement

  Flowers by A Perfect Arrangement

Our February article is by Darla Anderson of  A Perfect Arrangement 

Ahhh!  Love is in the air.  It’s that time of year again when warm thoughts turn to our significant others.  What can you get him?  . . .  The way to a man’s heart is through his stomach - so maybe a bucket of junk food or a more elegant chocolate, cookies, and nuts basket. . . or a unique balloon bouquet to embarrass him at work?   We also have video roses!  Send a rose with a special “speaking roses” code.  When he places the rose with a special emblem in front of his webcam, a video of you and your message will play on the screen!!  We can also imprint a rose with a message like “I love you!” or “Happy Valentine’s Day.”

Will this be the year that all those hints for flowers come to fruition??  How can you make your roses last the longest?  There are many tricks you’ve heard like aspirin or pennies or Sprite.  Basically, flowers need food (sugar) and bacteria prevention.  The floral food packets the florists give out are the surest way to get the correct measurements of each.  Recut the stems at an angle and change the water every two-three days to prevent the stems from clogging.   Flowers like temperatures between 32 and 40 degrees, so keep them in the coolest  part of your home avoiding sunny windows or  heaters.   If the rose heads droop, you can lay them in a tub of warm water (recut) overnight and they will perk up again.  

To the rose growers, Valentine’s is their “Black Friday”, so they increase the price.  Don’t blame the poor florists who are just trying to maintain consistent profit margins.  We can build a design for any budget that looks pretty even if roses aren’t included.  We would be happy to answer any questions; call us at 801-233-8776 and visit our website aperfectarrangement.com 

Dr. Teran Warner of Copperwell Chiropractic says "Become Healthier"

Industry Experts 

Become Healthier

Hello 2012! With a turning of a new year means 'new year resolutions', or the same ones we have yet to accomplish. We all know quickly our time is taken by 'other things' during daily life BUT We Must Take a Stand This Year! 2012 is OUR YEAR! This is the year of action, get up and move! A few of the top resolutions across the nation consist of spending more time with family, getting in better shape, decreasing debt, or cutting the waist line by losing weight. Do any of these sound familiar to you?

These most popular resolutions can be addressed under the "become healthier" category in mind, body and spirit.

With the idea of becoming healthier I want to remind people to take small steps. No one can drop 2 sizes in a day nor run a marathon the week after starting a brand new running program. However if people knew of the FUN and IMPORTANT facts about weight loss then they may gain some increased motivation to keep going. Here is one for you to think about...For every pound a person drops it automatically takes 4 pounds of pressure off the knee joints!! (Anyone with sore knees at the end of the day will appreciate that factoid!)

Here are some helpful tips to help you start the new year off right and become healthier.

1. Supplements are a must in todays world. The top 5 are a good multi-vitamin, Vitamin D, Omega-3 (fish oils), Magnesium, and a probiotic. These along with a healthy diet will support overall health as well as help promote weight loss along with an anti-inflammatory diet.
2. Eat as many vegetables as you can and substitute the rest of your diet with fresh fruits and lean meats. Stay away from processed foods and as many grains or gluten as possible. Shop "outside aisles" in the grocery store, think of it as a track around a football field...Stay on the Track and out of the middle!
3. Try and do some sort of cardio and strength training 3-5 times per week. This can be as little as brisk walking 30 minutes a day and doing strength training with objects at the house such as soup cans, animals, or children :)
4. Visit your local chiropractor and massage therapist who has training in nutrition, fitness, and wellness to help you on your journey to health.

Feel free to visit www.copperwellchiropractic.com and look at the blog page for more detailed information on the steps you can take to become healthier in 2012 we will be adding health tips starting January 1st. 


We welcome Dr. Warner as part of the 2012 Jordan Area Women in Business board.
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