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Happy New Year Friends! Can you believe it is now 2014?!? WOW! Many people will be making new resolutions for the upcoming year, and others will decide they would rather not make resolutions and then break them before February even arrives! Either way, this is the beginning of a new year full of fresh possibilities mixed in amongst the daily routines and grinds. We, at Seniors’ Scoop, look forward to what this year has in store for us as we strive to bring you the best possible publication each and every month. You will find us in Kalispell, Whitefish, Bigfork, Columbia Falls, Lakeside, Polson & Ronan. We are here for YOU! Feel free to drop us a line to let us know what you would like to see this year in the Seniors’ Scoop. We would also like to invite you to visit us online at: www.srscoop. com!

We wish you a very happy New Year filled with health, laughter, inner joy and love.

Sarah Baker Publisher

Senior Scoop © 2014. All information in this Directory is copyrighted, including text, layout, and logos. The content of this Directory may not be copied or distributed, in whole or in part, without express written consent from the publisher. The Publisher of this Directory does not warrant or make any representations concerning the accuracy or reliability of the information contained herein.

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CALL

406.890.9588

WRITE

info@srscoop.com P.O. Box 2458 Kalispell, MT 59903

VISIT

www.srscoop.com

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Tips to Protect Your Skin This Winter

From non-friendly weather conditions to itchinducing dyes found in everyday products, your skin can be exposed to a variety of unexpected irritants. But, protecting and maintaining healthy, comfortable skin can be easy with simple tips and products. “With so many skin types out there, getting to know how yours reacts to different factors – be it cold weather or harsh chemicals – is important,” says dermatologist Elizabeth Hale, M.D. “Take care of skin with products that are skin-friendly, mild and hypoallergenic, to avoid discomfort. Just be sure to test out each on a small area of skin before applying liberally.”

Here are three more tips from Dr. Hale to keep your skin feeling its best during the cold-weather months: Stay hydrated: The key to protecting skin is to keep in check with everyday habits, such as getting good nutrition, enough sleep and plenty of water. Drinking at least 8 glasses of water every day is necessary not only for your skin, but also for your body’s overall health. During the winter, try incorporating hot tea with lemon into your recommended daily serving of water to keep warm when you’re outside, but still give your body the hydration it needs.

Check your laundry: During the frigid months, be sure to cover up with hats, scarves, gloves and long-sleeves to avoid cracked, dry skin. Also, go for comfort by layering soft, lightweight fabrics that aren’t aggravating to the skin, like cotton. Keep your favorite clothing clean and smelling fresh, without irritation to the skin, by using a hypoallergenic laundry detergent. ARM & HAMMER™ offers two skinfriendly versions – a classic perfume and dye free option and Sensitive Skin Plus Scent Laundry Detergent, which has been clinically tested to be gentle on skin. You can learn more about skin-friendly laundry choices at www.armandhammer.com. Apply sunscreen: From tailgating to hiking to skiing, make sure you’re still protecting your skin during outdoor cold-weather activities. According to the American Academy of Dermatology, one in five Americans will develop some form of skin cancer during their lifetime, so it’s important to apply sunscreen year-round, even when it seems as though UV rays aren’t as strong as they actually are. Aim to apply sunscreen liberally on all exposed skin before you step out the door and reapply an SPF 15 or higher lotion every two hours when outdoors for an extended period of time. Irritated skin is no small matter and should be taken care of every day. Using the right products and taking necessary precautions to reduce the stinging, burning, itching and redness of sensitive skin will keep it feeling comfortable during all the colder weather months. 4

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Source: Arm & Hammer

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HAPPY NEW YEAR! Perhaps the BEST restaurant in the Flathead for variety of seating choices must be The Craggy Range Bar & Grill, 10 Central Ave., Whitefish! Choices are the main dining room, front Sports Bar (5 flat-screen TVs), rear bar/dining with stage, a flat-screen TV & HUGE screen projection TV (Think SUPER BOWL PARTY!), plus a large rear patio for outdoor seating (Think SUMMER only!) also with a stage. There is live music weekly. Happy Hour drink prices are 3:30-6:00 pm MON-FRI. “Adult beverage” choices are extensive. Try a “Frog Hop Pale Ale” brewed next door at Great Northern Brewery. The Craggy Range dining menu is very varied & extensive, featuring Appetizers, Soups, Salads, Sandwiches, Burgers, 12 Specialties, 3 Pastas, & Desserts. My pretty blonde ‘Black & Bleu Bites’ ($11)- “Blackened prime rib, garlic crostini & bleu cheese sauce. Trust me--DEEELICIOUS! I’m basically a “meat & potatoes” guy so my ‘Specialties’ entree choice was the ‘Cowboy Flat Iron Steak’ ($21) “Tarragon marinated flat iron steak seared to temperature, sliced, then topped with whisky green peppercorn demi glace. Served with garlic mashed potatoes & roasted vegetables.” It was mouth-watering and the portions were large. My pretty blonde’s palate is a little different than mine so her choice was ‘Seared Ahi Tuna’ ($24) “Curry rubbed sushi-grade Ahi topped with Thai peanut sauce and Nori seaweed salad. Served with steamed rice & broccolini.” It was fresh, delicious and her comment was, “That is the largest portion of Ahi tuna I’ve ever been served!” Thus she took enough home for a salad the next night. With me there is ALWAYS room for dessert (to share), so we ordered the ‘Sky High Cheesecake’ ($7) “Topped with berry compote & balsamic glaze.” The large, fresh slice was palate pleasing! And yes, she got the last bite! :) Our very personable server/bartender John has worked at Craggy Range 6 years since moving from Vermont. Check out the website at www.thecraggyrange.com and “Like” them on Facebook. Open Daily 11:30am. Kitchen open until 10 pm SUN-THURS & until 11 pm FRI. & SAT. Call 406-862-7550 for dinner reservations or just stop by soon and tell them you saw it in Seniors’ Scoop! See y’all next time! Cheers & BlessZINGS for a Happy & Prosperous New Year! ~Bill McGuffie

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Cold Sore Relief is On Its Way Tingling. Itchiness around the mouth. Tightness and soreness. If you’re a cold sore sufferer, these are symptoms with which you are all too familiar. These feelings mean that a cold sore is on its way. And, if you’re part of the 40 percent of people that suffer from cold sores, you know that you have to start treatment right away. It’s never too soon to say ‘see you later’ to that pesky friend. Cold sores, which are caused by a virus, can be brought on by many factors including stress, fatigue, and exposure to sun, wind or cold. With so many triggers, it may be difficult to understand when or why you’re getting cold sores. As such, it may be a good idea to keep a log of what you were doing, how you were feeling, and what happened in your life just before an outbreak occurred. You may just find a pattern that can help monitor flareups. Beyond monitoring the breakouts, try treating cold sores with Orajel™ Single Dose Cold Sore Treatment. With this revolutionary product, healing begins with one dose. The patented formula numbs the affected area for instant pain relief, and the onetime use Touch-Free applicator is convenient and easy to use. Typically, cold sores last 8 to10 days. During this time, remember to avoid skinto-skin contact with others and keep your hands off the sore. By doing this, in combination with caring for the sore, you will have relief in no time. Then, you can wave ‘goodbye’ to cold sore pain. Source: Orajel

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Fresh Tips for Game Day Dips

When family and friends gather together to watch the game, loading up the table with a variety of easy-to-grab, flavorful appetizers is a winning plan. After all, casual food and good times are what game day is all about. In the world of appetizers, dip is king. From savory to sweet, this simple tailgating party addition can take on flavors that span the globe, or that are as American and as beloved as the gridiron game itself. Keep it light – A tailgating scene can seem overwhelming for those who don’t want to splurge all their day’s calories, so be sure to have lots of fresh, crunchy vegetables on hand. Start with your standard dippers – like sliced carrots, broccoli and cucumbers – or score big with unique vegetable dipper options – like snap peas, asparagus spears and radishes. This recipe for Cucumber Cups creates simple and crunchy bite-sized noshes with a delicious dip of Sabra Hummus in the center. Cucumber Cups Yield: 16 servings 2 English cucumbers 1 container Sabra hummus 1 teaspoon paprika 1 bunch parsley, finely chopped Peel cucumbers and slice lengthwise into 1 1/4-inch pieces. Using melon baller, carve out seeds to create a vessel, making sure to leave bottom intact. Using piping bag or small spoon, fill each with hummus, about 1 teaspoon each. Sprinkle with paprika and finely chopped parsley. Source: Sabra

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Please go to our Blog Page on our website to find your answers. www.srscoop.com/blog

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JANUARY

2014

EVENT CALENDAR

THE MUSEUM AT CENTRAL SCHOOL 406-752-8381 M-F, 10 am – 5 pm FREE Historic Book Club event Jan. 9, 6:30 pm “Heart of the Trail” 12th Annual John White Series Jan. 12, 2:30 pm “Opportunities for Women in the New West” Jan. 26, 2:30 pm “Climb Glacier National Park”

HOCKADAY MUSEUM OF ART TU - SA., 10 am – 5 pm Admission: Adults/$5, Seniors/$4, College Students/$2, Children K-12/ Free; Members always free. Crown of the Continent Glacier National Park Gallery Part Two Through Feb. 22, 2014 Part Two will feature seldom-seen art and artifacts from the Hockaday’s permanent collection. WHITEFISH THEATRE COMPANY Call 862-5371 for tickets Mimi Fox and Greta Matassa Jan. 17, 7:30 pm An evening of jazz music.

Have a Happy New Year!

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EVENT CALENDAR KALISPELL SENIOR CENTER 257-1598 M-F, 9 am – 1 pm Closed New Year’s Day & Martin Luther King Day Exercise M, 9 a.m. M,W,F 10 am

2014

Basic Computer TU, 10–11 am TH, 10 am Art Class F, 12:30 pm Open Paint W, 12 pm

Cribbage M 1 pm

Qi Gong W, 12 pm

Pinochle TU & F, 1:30 pm

Bingo TH, 1 – 2:30 pm

Square Dance M, 6:30 pm

Spaghetti Feed Jan. 25, 12-3 pm $5

Line Dance TH, 6 pm

JANUARY

Be on the lookout for our future monthly issues for More Fun Events! Make sure you say, “Saw it in Seniors’ Scoop Today!”

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Directory Listings

ASSISTED LIVING Bee Hive Homes of Columbia Falls 1660 13th St. West, Columbia Falls, 406.407.3253, beehivehomes.com The Springs at Whitefish 1001 River Lakes Pkwy, Whitefish, 406.862.6322 thespringsliving.com Timber Creek Village 375 Meadow Lake Blvd., Columbia Falls, 406.892.3400, timbercreekvillagecommunity.com Wel-Life at Kalispell 156 Three Mile Rd., Kalispell, 406.756.8688, wlkalispell.com AUTOMOTIVE Howie’s Tire & Alignment 6470 Highway 93 South, Whitefish, 406.862.6666, howiestire.com

D i r e c t o r y

L i s t i n g s

Howie’s Tire & Auto Care 33 3rd Ave E.N., Kalispell, 406.755.6662 Montana Auto Center 601 East Idaho, Kalispell, 406.752.5511, montanaautocenter.com The Good Car Company 1212 S Main St., Kalispell, 406.755.7777, thegoodcarcompanyllc.com CHIROPRACTIC Dr. Sarah Klingenberg 410 1st Ave W, Kalispell, MT 59901, 406.212.1909, gonsteaddr@hotmail.com DENTAL Glacier Denture Center 1340 Airport Road, Kalispell, MT 59901, 406.257.5283 Montana Periodontics 115 Commons Way Suite 101, Kalispell, 406.755.4722 Restorations Denture Studio 6 Sunset Plaza, Suite C, Kalispell, 406.752.3733

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Rocky Mountain Dentures 1825 Hwy 93 South, Suite A, Kalispell, 406.752.1003 kalispelldentures.com

HEALTH FOOD Mountain Valley Foods Organic Grocery 25 Commons Way, Kalispell, 406.756.1422 mvf@mountainvalleyfoods.com HEALTH SERVICES Frontier Hospice 29 2nd St. E., Kalispell, 406.755.4923 The Sleep Medicine Center 200 Commons Way, Lower Level, Kalispell, 406.752.1729 HOME HEALTH CARE A Plus Health Care 1310 S. Main St, Kalispell, 406.755.4968, aplushc.com Flathead County Home Health Agency 736 S. Main St., Kalispell, 406.751.6800, paradigm99@centurytel.net INSURANCE AGENCIES Best Insurance 175 Hutton Ranch Rd, Suite 113, Kalispell, 406.755.8888

D i r e c t o r y

LONG-TERM NURSING CARE Heritage Place 171 Heritage Way, Kalispell, 406.755.0800, heritagekalispell.com MASSAGE THERAPY Touch for Life 103 Ponderosa Ln. Kalispell, 406.270.3847, karen.l.rog@gmail.com Paula Rich Massage 20 Four Mile Dr, Suite 4, Kalispell, 406.249.6025, paulastanford@hotmail.com

L i s t i n g s

MEDICARE SUPPLEMENT INSURANCE Bailey Insurance 4 Meridian Court, Kalispell, 406.752.7676

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MEMORY CARE Edgewood Vista Assisted Living + Daycare Services 141 Interstate Lane, Kalispell, 406.755.3240, edgewoodvista.com Expressions Memory Care Home 240 Hidden Meadow Lane, Columbia Falls, 406.897.1017, expressionssmch.com The Springs at Whitefish 1001 River Lakes Pkwy, Whitefish, 406.862.6322 thespringsliving.com

PHARMACIES Evergreen Compounding Pharmacy 2141 U.S. Hwy 2 East #300, Kalispell, 406.257.2083 evergreencompoundingpharmacy.com PHYSICAL THERAPY Professional Therapy Associates 1234 Whitefish Stage Road, Kalispell, 406.756.7878, ptflathead.com REAL ESTATE PROFESSIONALS NoDoubt Land Company @ Chuck Olson RE 241 Main Street, Kalispell, 406.257.6638 theresnodoubt.com & chuckolsonrealestate.com

D i r e c t o r y

L i s t i n g s

West Venture Properties, LLC 17 1st Ave East, Kalispell, 406.751.5600, westventureproperties.com RESTAURANTS Café Max Soup Company 20 Commons Way, Kalispell, 406.257.7687, cafemaxsoupmt.com Café Max Soup Company 6475 Hwy 93 S, Whitefish, 406.270.9840, cafemaxsoupmt.com Cislo’s Family Restaurant 2046 Hwy 2 East, Kalispell, 406.756.7330 RETAIL Gold Rush Pawn Company 1353 Hwy 2 East, Kalispell, 406.257.7296 (PAWN), goldrushpawn.com The Shops at Station 8 38 Hwy 2 East, Columbia Falls, 406.892.1123, station8antiques.com

Contact us at info@srscoop.com to find out how you may list your business on our Directory Pages! 14 Stay in the Loop with Seniors’ Scoop!

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Create a Clutter-Free Crafting Zone When creative inspiration strikes, you need to seize the moment and create. But if supplies are strewn from one end of the house to the other and clutter reigns, you may battle a real cramp in creativity. Even for the most free-thinking minds, a little organization can go a long way to let your artistic aspirations soar. The key is accessibility. Follow these three simple tips from the organizational experts at ClosetMaid to get your space uncluttered and let your imagination run free. 1. Dedicate your space. Whether you’re able to allocate an entire room, a closet or even just a corner, allow yourself to hone in on the true purpose of the space — crafting. Store unrelated items elsewhere and establish a designated work zone. You can also achieve versatility with mobile storage. Portable containers and rolling carts allow greater flexibility in how you use the space, while giving you easy access to your crafting supplies. Organizing like items, with specific storage areas for each different hobby or craft, will help you find what you need efficiently. 2. Maximize your resources. Particularly if you’re working with a small area, it’s important to utilize every inch of space. Don’t limit yourself to the floor, think vertically. In a closet, using a custom organizer such as ClosetMaid’s ShelfTrack Wire Shelving Organizer Kit, will allow you to customize and reconfigure shelf locations as often as your needs change. You can also find a variety of hanging organizers for the back of the same door you once simply closed to hide the mess. 3. Keep comfort in mind. Set the mood to get inspired with comfortable seating and décor that energizes you and appeals to your artistic senses. A cozy arm chair makes for far more appealing seating than a standard desk chair, especially if your chosen craft requires extended periods of sitting. If you expect to have guests visit the space, be sure to provide seating for their comfort, such as a cushy couch or loveseat. There are myriad options available when it comes to storage, so you can find just the right size container for each and every item. This helps ensure you’re using every inch of space wisely. And, using right-size storage bins helps ensure you are protecting valuable supplies from damage that can result from cramming into tootight places. For more creative ideas to transform your space into a clutter-free craft zone, visit www.ClosetMaid.com, www.StorganizationBlog.com or call (800) 8740008.

Source: ClosetMaid

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Bring Back Biscuit Baking with Easy Recipes Making homemade biscuits is becoming a lost art form due, in part, to today’s busy lifestyle. Bring back the art of biscuit making by learning, teaching and sharing with others the joy of baking these delicious delights.

“If you are an aspiring biscuit maker or just need a quicker recipe, easy-tomake drop biscuits are the perfect choice,” said baking expert Linda Carman. “We are on a campaign to ‘Save the Biscuit’ and drop biscuits are the perfect recipe for new and experienced bakers alike. They save time in the kitchen without sacrificing taste.” The beauty of drop biscuits is they have a wonderfully crisp crust with a soft classic biscuit texture on the inside. They get their name because the dough is soft enough to drop from a spoon onto the baking sheet.

Drop biscuits are made exactly the same way as the iconic White Lily Light and Fluffy Biscuit, except there is no kneading, rolling or cutting. Simply cut shortening into self-rising flour, add milk, drop on the pan and bake. Drop biscuits recipes are easy to modify with a couple of additions. Sweet Blueberry Drop Biscuits combine sugar and blueberries with the White Lily classic biscuit recipe, baking up a sweet biscuit that is delightfully light in texture. Prefer savory instead? Prepare Bacon Cheddar Drop Biscuits by adding cheese and bacon to the biscuit dough. These biscuits have great flavor and the slightly crunchy texture is very satisfying.

Other delicious combinations are cinnamon and sugar, or blue cheese and garlic. Bake smaller versions of these biscuits to serve as appetizers at your next party, or as part of an on-the-go breakfast for your family.

“Above everything else, spending time in the kitchen experimenting with biscuits gives you a chance to take a break from the hustle-bustle of life,” said Carman. “Take the time to share your new recipes with other family and friends. They, too, can help ‘Save the Biscuit.’” 16

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Sweet Blueberry Drop Biscuits 2 1/3 1/4 2/3 to 3/4 1

Makes: 12 biscuits

Crisco® Original No-Stick Cooking Spray cups White Lily® Enriched Bleached Self-Rising Flour cup sugar cup Crisco All-Vegetable Shortening, chilled cups milk or buttermilk, plus additional as needed cup fresh or frozen blueberries, if frozen, do not thaw

HEAT oven to 500°F. Spray baking sheet with no-stick cooking spray. COMBINE flour and sugar into bowl. Cut in shortening with pastry blender or 2 knives until crumbs are the size of peas. Blend in just enough milk with a fork until dough leaves sides of bowl. If needed, add more milk to form soft dough. Gently stir in blueberries. DROP dough by rounded tablespoonfuls onto prepared baking sheet 1 to 2 inches apart. Bake 8 to 10 minutes or until golden brown. COOL 2 minutes. Split and serve warm with butter.

Source: White Lily

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Simple Solutions for Family Dinners Today, less than half of American families eat dinner together every day (Source: National Survey of Children’s Health 2011/2012). One secret to dinner on busy weeknights is keeping the ingredients for your favorite meals within easy reach. These solutions cut out dinner prep time to help families get meals on the table fast, any night of the week. Keep your freezer organized for quick meal planning. Buy extra frozen or fresh poultry, beef and pork when they go on sale. If fresh, freeze them in family dinner portions. Then, stock up on pre-cut vegetables, like Birds Eye’s new Recipe Ready line of pre-cut, sliced and diced vegetable varieties that help complete a meal. Spend less time searching for recipes. Pick one day a week to sketch out a menu filled with fast and easy home-cooked family favorites. It’s easier to save time during the week if you already have a plan. With more than 20 varieties, Recipe Ready vegetables have recipes right on the package for everyone’s favorites, such as stir-fries, fajitas, tacos, chicken and pasta, hamburgers and more. Take advantage of cooking short cuts. Using pre-cut, high quality vegetable varieties not only saves money on wasted produce, but also on shopping and prep time without sacrificing the quality and taste of the meal. Plus, since the ingredients are already chopped, the only thing you have to open is the bag. Goodbye cutting board, hello Recipe Ready! Enlist helpers. Having the kids help with some of the cooking makes the process more fun, plus kids are more likely to eat what they create. Have kids mix ingredients, top dishes with garnishes and help put dinner on the table. “At Birds Eye, we’re dedicated to creating simple solutions for dinnertime,” said Birds Eye Chef Michael Christiansen. “Recipe Ready helps families save time during the dinner hour by cutting out the washing, slicing and dicing of vegetables.” Chef Christiansen continues, “One of my favorite dishes to make during the colder months is Easiest Ever Chili using Recipe Ready Chopped Green Peppers & Onions – it’s hearty, delicious and perfect for chilly weather. My family loves it, including the kids because they get to help out adding the veggies to the skillet and topping the dish with sour cream before digging in.” Easiest Ever Chili Prep time: 5 minutes Cook time: 25 minutes Servings: 4 1 pound lean ground beef 1 bag (8 ounces) Birds Eye® Recipe Ready Chopped Green Peppers & Onions 1 can (15.5 ounces) red kidney beans, rinsed and drained 1 can (14.5 ounces) diced tomatoes 2 tablespoons chili powder 1/4 teaspoon salt 1/2 teaspoon dried oregano (optional)

Brown ground beef with Recipe Ready Chopped Green Peppers & Onions in medium saucepot. Add remaining ingredients and simmer uncovered, 20 minutes. Serve, if desired, with reduced-fat shredded cheddar cheese and light sour cream.

Source: Birds Eye

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Best Bets for Healthy Family Meals in a Hurry Making the decision to eat better doesn’t mean you have to stock your fridge exclusively with carrot sticks and lettuce leaves. There are plenty of healthy and delicious meal options. FILL UP YOUR FRIDGE How many times have you raided the fridge, only to eat the first thing you could find? Arrange your fridge so everything at eye level is packed with nutritional benefits. The top shelf is prime space for fresh fruits, berries, vegetable sticks, string cheese and hard boiled eggs. Keeping lean proteins on hand is another way to take proactive steps towards creating healthy meals. Lean proteins, like the protein found in soy, can help families feel fuller longer and can also help lower the chances of childhood obesity. PICK THE PERFECT PROTEIN During dinnertime, entrées featuring beef, pork or chicken are often the star of the plate. However, meat proteins can supply your recipes with unwanted saturated fats and cholesterol. Instead of asking your family to forego their favorite meat dishes, try swapping out meat proteins with meat alternatives, using soy protein. Soy is a highquality vegetable protein that is easy to incorporate into your family’s diet. It can support muscle strength and is an especially good choice for managing healthy weight for the entire family. MATCH® premium meat alternatives provide the taste, texture and nutrition meat lovers want, without the saturated fats and cholesterol. Look for great flavor matches like ground pork, Italian sausage, ground chicken, crab and ground beef at www. matchmeats.com. FIND RECIPES FOR FAMILY FAVORITES Quick, easy and delicious have to be a part of every family’s meal on busy weekdays. Breakfast Burritos are sure to be a family favorite. Simply fill tortillas with MATCH® Italian Sausage, eggs, cheese, salsa and fresh herbs for a hot, tasty start to your morning. Another sure crowd pleaser is Beef Tacos. Just swap out traditional ground beef for MATCH® Ground Beef and spoon your favorite taco ingredients into soft or hard shells. Homemade Beef Sloppy Joes are equally as easy to make. This recipe is a tasty way to get your whole family fed and out the door in time for evening activities. Once you’ve picked the perfect recipes and filled your fridge with lean proteins, like soy protein, eating well will become a healthy habit the whole family will love.

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Beef Tacos 1/2 2 2 1 4 1 2 1 6

Makes: 6 to 8 tacos cup extra virgin olive oil cups yellow onion, diced tablespoons fresh garlic, chopped pound MATCH® Ground Beef tablespoons taco seasoning tablespoon ground cumin cups canned black beans, drained and rinsed jalapeno, diced with seeds to 8 hard or soft taco shells

Shredded lettuce, chopped tomatoes, sour cream, guacamole, cheese, taco sauce or your other favorite toppings Add olive oil to saucepan over medium heat. Add onion and sauté for 2 to 3 minutes until clear but not brown. Add garlic. Sauté for one minute. Add MATCH® ground beef and break apart with fork. Sauté for 1 to 2 minutes. Add taco seasoning and cumin. Increase heat to medium/high and continue browning MATCH® ground beef until outside is crispy. Add black beans and reduce heat to medium. Add jalapeno. Serve with your favorite taco shells and your favorite toppings. Source: MATCH

from all of us at

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Find the Right Investments in This Market Environment Investor optimism is on the rise, according to a recent study from investing services company, Scottrade, Inc. Despite market volatility, 61 percent of American investors surveyed believe the stock market will be up from the previous year. With this added confidence, a growing number – 54 percent this year as compared to 46 percent last year – of investors plan to put additional money in the stock market in the next year.

“Today, we are seeing that although investors are optimistic about the future, they are deploying more conservative strategies,” said Kim Wells, Scottrade’s executive director of digital product development and chief marketing officer. “Choosing the right pairing of investments is essential in this market environment.” Knowing when to invest and what to invest in remain the leading challenges for investors, the survey found. Here are four areas to consider when developing an individual investment strategy. •

Capitalize on Market Momentum: Stocks present a flexible opportunity to capitalize on market momentum. Nearly 40 percent of investors include stocks in their portfolio, according to Scottrade’s study. Brokerage firms have a variety of online stock trading tools, such as stock screeners and streaming quotes, to help investors act on rapid changes in the market. With securities available across a variety of sectors and industries, investors can choose holdings to match their investment strategies and risk tolerance.

Use Bonds to Ride the Curve: Market volatility has made bonds an attractive choice as investors seek to have a stronger foothold in the market. While this investment product involves risk– including interest rate risk, liquidity risk, inflation risk, and risk of loss of principal– investors can choose from a variety of bond types such as municipal bonds, corporate bonds or treasuries to fit their individual investment strategy. With competitive interest rates and interest payments paid in regular intervals, bonds are considered less risky than stocks.

Invest for Your Future: The majority of investors surveyed, at 63 percent, indicated they are saving for retirement, and 401(k) and IRA investments are popular vehicles. Scottrade’s research found three quarters of investors hold at least one of these. Forty-five percent of those surveyed said they believe IRAs and 401(k)s are the best tools for long-term investments. To determine a retirement savings goal, many brokerages offer interactive retirement calculators.

Save for Education Costs: In tandem with building a retirement nest egg, investors are often saving for a child’s education. Coverdell Education Savings Accounts (ESAs) and custodial accounts provide a flexible choice for higher education expenses. Both have no minimum investment, allowing allocations to fit within a financial plan. To assist with goalsetting, college savings calculators take into account factors such as a child’s age, federal and state tax rates, as well as the cost of public or private schools.

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Source: Scottrade

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Northwest Montana Seniors' Scoop