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actually pisses me off! These nerds make the rest of us seem like all we talk about is spreadsheets, portfolios and account balances. WTF! Not. Even. Close.

Never in my life did I think I would ever say this next friggin sentence but here it goes… welcome to the premiere issue of Nugent Magazine! Before I tell you why I did this and what you can expect in every issue, let me address the title of the mag…NUGENT. This was NOT my idea! Left to me, it probably would have been called, “Rugby Is Awesome” or “Check Out My Cool Kids” or maybe even “Stuff About Life And Money”. But the brain trust over at Sinerje Media insisted those were too long and it must be called NUGENT. So here we are. Whether you like the title or think it makes me look like a pompous ass, I do hope you like the stuff inside. I’m deeply involved in the content selection and approval. But I’m getting ahead of myself. Let me answer the question I’m sure I’ll get going forward: “Why a magazine?” Well, at the risk of ticking somebody off, here’s the truth; because I think most magazines suck. Well, not most magazines, but most magazines connected in any way to the wealth management industry. It seems like every time I read anything in print from a financial advisor, it is SO BORING it

NOTE FROM ADAM

So, I wanted a magazine where those who have worked hard to accumulate some dineros, can come and have fun reading about ways to enjoy those dollars, spend those dollars and MAYBE we will toss out an idea or two for investing those bucks. (Or maybe we won’t.) The point is, in my magazine, we are gonna keep it real and chill. If it offends you (not my intention) then maybe you should read Bloomberg or Forbes. So basically, that’s it. For those who don’t know me, you will after you read a few issues. I like cool travel, I like gadgets, violent sports, I like investment projects that have some level of fun, and I like hanging out with other people who have figured out that money isn’t the point of life. Life is the point. Enjoy my magazine. Or don’t.


JOSH ROMNEY IS BUILDING HIS LEGACY MICHAEL YOUNG

06 THE FAILURE OF SUCCESS TJ HOISINGTON

CHARITYVISION LORALIE PEARCE

18 THE ART OF BREAKING BREAD TOGETHER MARY CRAFTS

GADGETS OF THE SEASON DAVE TUCKER

24 THE SECRET TO A BALANCED LIFE IS NOT BALANCE TROY DUNN

EVEN MILLIONAIRES LOVE BUDGET TRAVEL LORALIE PEARCE

28 WHEN PENNIES MAKE DOLLARS MICHAEL YOUNG

WHY STYLE MATTERS COURTNEY BROWN

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“Take RISKS and don’t be afraid of FAILURE. I think that’s an American trait that sets us APART from the rest of the world. We DON’T LOOK at failure as THE END. It’s a learning process, and you can GROW from there.”

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Meet Josh. Businessman, philanthropist, and family man who just happens to be the middle son of Mitt and Ann Romney. Though he grew up just outside of Boston, he’s now made the Beehive State his home and now devotes his time to making our state, and the world, a better place. But not without having fun while he’s doing it. With a degree from BYU and an MBA from Harvard under his belt, Josh launched a successful business career. Not only does he have his own mortgage company, Intercap Lending, but he also runs a real estate investing company, known as the Romney Group. He’s happy to say that Intercap Lending has grown to over 200 employees, and are putting people in homes across the Wasatch Front and beyond, because they’re licensed in 42 states. He often speaks to groups of current and aspiring entrepreneurs and tells them his number-one rule of business, “Find a good way to measure your success. If your success is always based on money, I think it’s really hard to get in control. But if you base your success on more attainable things, like relationships, experience, fun, having that as your goal will make you a much more successful person.” He also emphasizes the need for a growth mindset. “Take risks and don’t be afraid of failure. I think that’s an American trait that sets us apart from the rest of the world. We don’t look at failure as the end. It’s a learning process, and you can grow from there.” As busy as he is, Josh believes in the importance of good, old-fashioned family time. He and his wife Jennifer met at BYU at a girl’s soccer game, and have gone on to have six boys and one girl of their own. Josh loves taking his kids on various trips he takes when working with CharityVision, allowing them to see far off corners of the world such as Peru, India, Indonesia, and the Philippines. He considers Indonesia one of his favorite destinations. “Indonesia is incredible. The people are very friendly and it’s a gorgeous country. A beautiful island with beautiful beaches and beautiful people. We got to hang out with a komodo dragon one day and that was fun. It’s quite a place.” Though he loves to travel to far-flung destinations, he also loves vacationing in state, down on a family ranch near Zion’s National Park at the mouth of Kolob Canyon, where they can camp, ride mountain bikes and motorcycles, hunt, and fish to their hearts’ content.

By Michael Young bit.ly/michaeldyoung

NUGENT MAGAZINE

Though his youngest is only two now, someday he hopes to travel the world with his wife, Jennifer. Near the top of his bucket list is to experience an actual African safari and he is also hoping to take her down to Boliva to see the waterfalls as part of his CharityVision travels. 7


Josh has a vision of helping people!

Speaking of his charity work, Josh has a vision— of helping people with their vision. For the past five years, he’s been working CharityVision International, a foundation that partners with local doctors in developing countries to provide essential vision care. The goal is to establish permanent and sustainable eye care programs in places that lack the necessary tools and training. The foundation work in over 25 developing countries and provides over 80,000 vision surgeries annually. He felt drawn to the cause, because it is an amazing way to touch as many lives as possible. They can perform eye surgeries for as little as $25 that can completely change the course of a person’s life for the better, allowing them a much more prosperous future.

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In his world travels, he has seen how rampant poverty and homelessness have become worldwide, and so he’s working hard to fight these problems at home. He sits on the Shelter the Homeless Board in Salt Lake City, an organization that oversees the building of new shelters for the homeless and helping them work towards housing and employment. “It’s a really important cause for the state to be able to take care of its most vulnerable population. All too often they are getting preyed on by those who want to take advantage of their circumstances. We’re trying to do what we can to get them back on their feet, to be selfsustaining and get them back in employment.”

NUGENT MAGAZINE


In the meantime, he has several other hobbies to blow off steam. He admits to being glued to his Twitter account at times, hoping to pick up the latest political news from a variety of sources. He also loves classic cars, and when asked what his dream car was, he answered without hesitation, “A 1967 Camaro!” Turns out, it’s not just the car of his dreams. He actually owns it. He also loves water sports, especially water skiing, which has been a part of his life since he was seven years old. It is something of a whole Romney family pastime. You can help Josh and his family with their charity work by visiting charityvision.net and clicking on the donate button. You can also learn about Shelter the Homeless at: www.homelessutah.org. To learn more about Josh’s business ventures, please visit: intercaplending.com and theromneygroup.com

He also loves water sports, especially water skiing, which has been a part of his life since he was seven years old. It is something of a whole Romney family pastime. NUGENT MAGAZINE

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MOTIVATIONAL

THE FAILURE OF SUCCESS By TJ Hoisington www.GreatnessWithin.com Unleash Your Greatness Within!

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“It’s never too late to be what you might have been.” - George Eliot

Twenty-five years ago, the renowned motivational speaker Les Brown gave a speech titled “You’ve Got to Be Hungry” In the speech, he told of his difficult upbringing and said that no matter your circumstances, if you are hungry and if you have drive, you can make your dreams come true.

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conversations with many people who have privately shared with me the discontent in their lives. I have even spoken with executives who feel deep down that they have more within them to achieve or contribute. I give them some encouragement and challenge them to start taking action only to see them months later and learn they have not even taken the first step. Unfortunately, they are limited by their comfort with the status quo, or they fear the unknown. If you have been fortunate enough to achieve your goals, have you set new ones? The truth is that once you have achieved a goal, it is common to lose drive and creativity. So, updating goals is vital to long-term effectiveness. My suggestion is to reflect on your life or your business and determine where you’re at. Are you where you want to be? Are you satisfied? If so, you are unlikely to exert more energy than is necessary to maintain your status. I challenge you to self-reflect, “What else is there for me to do? How can I contribute more? What inner desires must I work toward that would bring more meaning into my life?” In other words, update your goals. The English author George Eliot once stated, “It’s never too late to be what you might have been.” Norman Maclean retired in 1973 from teaching at the University of Chicago, and rather than quietly drifting into retirement, he chose to write. In 1976, at age eighty-seven, he wrote the acclaimed bestseller A River Runs Through It.

Before Conrad Hilton created the mega company Hilton Hotels, his business was failing, and he was financially broke. In 1931, about to go bankrupt, Hilton flew to New York City to see the newly built Waldorf Astoria. While he sat in the Waldorf Astoria grand ballroom, he wondered what was missing from his business formula. He reflected on the principles his parents had taught him, which included faith and prayer. He also contemplated that success had much to do with talent and enthusiasm but also that those concepts alone wouldn’t suffice. While he sat in the grand ballroom, Hilton realized the missing piece: you have to dream!

Selma Plaut was in her late nineties when she decided to earn a college degree. She attended the University of Toronto and even lived in the same dormitory as her great-granddaughter. By her hundredth birthday, Plaut graduated. On graduation day, wearing her cap and gown, the local newspaper asked her, “What kind of a degree did you earn?” It was said that she responded with, “I got a history degree. I’ve lived most of it; I might as well get credit for it.” Additionally, according to the Associated Press, July 13, 1990, Pluat said, “she enjoys learning.” Always learning, growing, and achieving is a choice— as is your attitude. I find it inspirational that the London Palladium was sold out for George Burns’s hundredth birthday party years before his one hundredth birthday.

From that moment on, Hilton began dreaming bigger than he had before. He took a picture of himself standing in front of the Waldorf Astoria while he was still broke. He also took a cutout picture of the hotel and wrote across the front of it, “The Greatest of Them ALL.” When he returned home, he kept the picture under the glass tabletop on his desk, where he could see the picture every day. He told himself that one day the hotel would be his. In his autobiography, Be My Guest, Hilton states, “Fifteen years later, in October, 1949, ‘The Greatest of Them All’ became a Hilton Hotel.” Like Hilton, are you thinking big enough? Are there dreams you desire to achieve? Having ambition and a “burning desire,” according to Napoleon Hill (self-help author), is where it all begins. A never-ending hunger for achievement is what separates the successful from the unsuccessful. Think about it: when you were young (maybe you still are), you took chances. Taking risks was part of the game. High achievers are never satisfied. It’s as if they have something to prove. They are always thinking, “How can I do it better? What more can I do? I will not be satisfied until I win.” These rare people set standards that others are measured by. They’re always demanding more from themselves than anyone could ever expect of them. Is this you? Maybe you can remember when you were tempted to think, “This is good enough,” only to have a small voice inside saying, “No. You can do more!” Have you had those days? During my twenty-year career of writing books and speaking on the subject of achievement and leadership, I have had countless 14

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These examples, and many more like them, represent an attitude to continuously grow. What’s your vision? What do you want your legacy to be?

Here Are Six Steps to Increase Your Ambition: 4. DEMAND:

1. DESIRE:

Demand the best from yourself. Have you ever noticed that the word “satisfaction” ends with the word “action?” In Latin, the word satis means “enough.” The ancient Romans knew that enough action would produce satisfaction. Hold yourself accountable to your commitments. Don’t think doing the minimum will win the prize. Demand more from yourself.

You have to DREAM. You must want to live with deeper purpose and meaning. You must want to make a difference.

2. DEFINE: Take time to clearly identify what you want to achieve. Is it emotional and exciting? Is it small or audacious and bold? Clarity is power. When you become clear about your goals, resources and opportunities will appear to support your vision.

5. DWELL: Impress the mind with images and thoughts of achieving your goals daily. Your new goal must be a dominant focus. Imagine, with energy and enthusiasm, achieving the desired result and the positive impact it will have on you and others. Dwelling daily on your goals in detail will create strong beliefs, and once they are formed, your mind will unconsciously work overtime to make your new goal a reality.

3. DECIDE: The force of all action begins at the moment you make a “true decision” to act. Make a 100 percent commitment, and decide to act with courage in the face of fear. Working on new goals will likely cause you to stretch, and it’s not always comfortable to stretch, but that is where the results exist—outside your comfort zone.

6. DRIVE: Take consistent action with a full, purposeful heart. Motivation, in large part, is produced within the self when you take action and receive feedback. Action produces a result, and the feedback creates a sense of progress.

May you find or rekindle your ambition to unleash your greatness within! NUGENT MAGAZINE

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Attract what you EXPECT, Reflect what you DESIRE, Become what you RESPECT, Mirror what you ADMIRE. Training, networking, connection, mentoring and community for working women.

www.illuminatetogether.com


CHARITABLE SPOTLIGHT

CharityVision By Loralie Pearce

The world is beautiful. I’d forgotten the colors. I’d forgotten the light. Take a look and feast your eyes on Nugent’s glorious first cover! Did you notice all the vibrant colors? How about the catchy words – did they grab your attention? Maybe you even noticed that handsome man occupying the space smack in the middle – you’d have to be blind not to, right? Now – close your eyes, count to five and open again. What did you see? Darkness? Maybe a few geometric grayish shapes swirling in and out of all that black? Did you know that for an estimated 39 million people in the world, that’s what they would see if they were looking? To another 217 million, that great head of hair and dazzling smile are hard to distinguish, and those baby blues are just a dull grayish blob in the middle of a fuzzy circle. The vibrant colors are faded and the words are just blurred lines. If left untreated, the majority of that 217 million will soon forget how beautiful the world is because the colors and light will be lost to them. What would you say if I told you that over 80% of blindness could be cured? I don’t know about you but I was pretty surprised by that number – 80% plus some – that’s a lot of people who should never lose sight of the world around them. Why are so many in the dark? Great question! According to 18

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THINK ABOUT THIS WHILE READING; EVERY FIVE SECONDS SOMEONE GOES BLIND AND EVERY MINUTE A CHILD GOES BLIND. the World Health Organization; globally the leading cause of blindness is unoperated cataracts followed by uncorrected refractive errors. According to CharityVision: “... over 90% of those suffering from needless blindness live in developing areas like; Latin America, SubSaharan Africa, and Southeast Asia. Blindness in these areas can lead to begging, extreme poverty, abandonment, and even death”. Think about this while reading; every five seconds someone goes blind and every minute a child goes blind. Nearly all blind children in developing countries drop out of school and half of all blind children die within two years. Pretty bleak reading – ya? Don’t worry. We’re going to ‘lighten’ this article up a bit with CharityVision. CharityVision has been doing precisely that for thirty years – fighting needless blindness and bringing people back into the light. It all began in 1963 when Dr. William Jackson, fresh out of medical school, heeded a call to go to Algeria, along with his expectant wife, to help coordinate some charity programs. They loved it and brought home an awesome souvenir. Douglas Jackson, CEO of CharityVision , was born on that first six-month assignment to Algeria. He spent his childhood doing charity work, alongside his family, with Dr. Jackson’s charity; Deseret International Foundation, which would later become CharityVision International. I had the fabulous opportunity to speak with Doug and learn more about CharityVision and I’ve got to tell you – I think you’re going to really like their model. It’s not one you usually associate with international non-profit (501C-3) organizations.

CharityVision’s model is one of partnership, entrepreneurship, and sustainability. They focus on empowering local doctors, giving them the tools – literally – to solve unique issues specific to their communities. Instead of bringing teams in to perform procedures and surgeries they decided to create a new model and use local doctors already there. In Doug’s words, “... they know the language, they know the pathology, they know the culture, they’ll be here tomorrow, they’ll be here in a month when there’s a complication, or an infection. Almost immediately we found that these doctors were thrilled! They love doing charity work, they love helping the poor”. Keeping with their same philosophy of the past thirty years, they go into communities and finds optometrists and ophthalmologists and helps set them up in their own practices by providing the infrastructure, equipment, and supplies they need to be successful. In return, the doctors provide charity work two days a week. In most cases, these practices are the only ones within the community. CharityVision also goes into universities and provides them with the tools to help the poorest of the poor who are looking for free or very inexpensive medical help. Doug explained the problem with universities is, “... you have willing hands that want to do surgery; you have willing patients who need the procedures, and 99% of the time, nothing gets done because nobody can buy the supplies. The patient has no money, the university has no money, and a lot of their equipment is broken... for us it’s a match made in heaven”. CharityVision provides

the universities with working equipment and supplies to care for the hundreds of patients waiting to be seen. Working with CharityVision provides residents the opportunity to receive better training and experience. For example; Doug stated that a few years ago the average resident in Indonesia was performing around seven to eight surgeries per year. CharityVision came in and that number jumped to around 220. By partnering with CharityVision, everyone wins – the universities are able to help more people, their residency programs are dramatically improved, they have the ability to get and maintain good equipment and supplies, and the residents develop a relationship with an international organization that can help them even after they graduate. Many of the residents go on to partner with CharityVision; setting up their own practices, performing surgeries and procedures, and doing charity work. Douglas Jackson became CEO in 2001 running CharityVision with, “...just me, myself, and I in my office at home...” until five years ago. Now CharityVision has a board and team that spreads the duty and takes turns traveling

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to the 25+ countries that they currently have partnerships in. CharityVision’s president is noneother than Nugent’s cover model; Josh Romney. Doug and Josh were introduced to each other by one of their donors and after talking for a while, Josh expressed his desire to be involved. He told Doug, “I am blessed with this name that people will stop and listen to. I would love to tell your story...” and so he does. In addition to other tasks Josh goes out and shares their unique model of creating sustainable partnerships and programs that can pay for and support themselves, with potential donors. Josh is a great advocate - he’s even gotten his parents involved. Ann Romney serves on the board and, if you jump over to CharityVision.net (which you should for several reasons in addition to this added bonus), you can see Mitt Romney dressed as Nacho Libre by clicking on, ‘events’. You’re welcome. One of the things I’ve loved learning about CharityVision (and there are many) is that they are constantly checking in and visiting their partners, talking with them, finding out what they’re doing and where they are, and asking questions. If there are problems with equipment – they 19


fix it. If supply cupboards are looking sparse – they fill them. Need something custom made – they’re on it. Because CharityVision is able to order mass quantities of supplies, equipment, and glasses they are able to get them for – in Doug’s words – “dirt cheap”. In most cases there is not a market for medical equipment in these countries so it becomes a huge hurdle for many clinics, hospitals, and universities. By partnering with CharityVision, they are able to have good, quality equipment, and the latest technology. This model makes for a win-win situation. As Doug says, “It makes charity a little cheaper for us and it makes the practice a little more profitable. In any practice we are involved with, you will see all the profits go to sustain all the work they are doing within their community. When we go in and work with a partner it becomes a sustainable adventure”. Combining his love of charity and entrepreneurial skills, Doug has helped CharityVision cut their costs per surgery by 75%. It costs $25.00 for one cataract surgery ($50.00 for both eyes) performed by a local CharityVision doctor. Surgical numbers have jumped from 6,500 to 65,000 annually – those numbers represent 65,000 people who get their lives back. Fathers who couldn’t work, mothers who couldn’t take care of their families, children who couldn’t go to school, who now can see the light at the end of the dark tunnel. They have hope again – they have a future. CharityVision has developed their own internal revenue generating vehicle that pays their overhead. Last year their overhead was around 3.5% - that’s crazy small. 100% of all donations to CharityVision go where they need to go. Doug said it best, “... we leverage dollars like nobody’s business...we leverage every dollar to about one-hundred dollars. We take $25 and do $2,500 worth of service – but it’s because of our model – we have a model that just lends itself to efficiency. We’re outside of the box thinkers. We’re entrepreneurs. We’ve never followed what everyone else is doing. We’ve always just done it our own way and it’s worked out for us”. It has worked. It is working, and not just in underdeveloped countries, but in the United States as well. Understanding that in the States there’s too much bureaucracy, liability, and insurance issues in order to just do pre-surgery, let alone surgeries, but wanting to help those in our own country too, CharityVision figured out a way. Two years ago, they started doing school screenings. They talk with the schools in Salt Lake, Utah, Alpine, and Nebo counties to find out which kids failed the vision tests, then they bus them to a huge clinic in Provo, Utah. The clinic dedicates four days each year to CharityVision. They bring in eight optometrists and an ophthalmologist. They have eight rooms going at one time and, “...we just funnel those kids through. Everybody is volunteering, the way it should be – right? We bring in some edgers so we are making the glasses as we go. Before the kids get back on the bus to return to school, 75% have glasses on their face... we get the more difficult prescriptions we have to order usually within the following week. We have our own equipment and we bring it in and pound it out...the solution is so easy and only costs a few bucks”. CharityVision also does something similar in Los Angeles, California and would love to expand into other states as funds allow.

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WORKING WITH CHARITYVISION... RESIDENTS HAVE THE OPPORTUNITY TO RECEIVE BETTER TRAINING AND EXPERIENCE MORE HANDS-ON SITUATIONS.

FACTS ABOUT BLINDNESS:

39+ Million people are blind.

90% live in developing areas.

Every 5 seconds someone goes blind.

Every 60 seconds a child goes blind.

80% of blindness is curable.

It costs $25 for one surgery.


When I asked Doug what their biggest challenge was, he responded with, “well, I hate to say it because it’s so predictable but when we come back from a country – I don’t want to say it’s anger – but it’s frustration – we could be doing so much more. What we do is so cheap. We could be making such a bigger difference because there’s so much work to be done. There’s 2.5 billion people in the world that don’t have access to eye care, that don’t have access to glasses, I mean that’s just ridiculous... Last year we had a request for about 20,000 surgeries that we couldn’t do because we didn’t have the funds. That’s 20,000 people. We could be more prolific. It just comes down to donors. We need some corporations, we need people that just know who we are and want to give to us – that’s the biggest challenge – how to get the word out. How do you get people to realize that, hey there’s a need out there? The thing that’s cool is that right now we’ve taken care of polio, we’ve taken care of small pox... but there are 30 million people that have cataracts – that can’t see. Right now, with technology the way it is, and with the efficiency of how we buy products, we can jump on this one. We can tackle this. We can put this one to rest. If we just had people that knew that there are millions and millions of people out there who are walking around blind, not able to go to school, not able to take care of their families, not able to see their kids...and it’s absolutely unnecessary. So it’s just that creation of awareness and hopefully try to drum up some more funds... we could do a quarter of a million surgeries very easily, if we just had the funding”. The more I spoke with Doug the more I wanted to shout from the mountain top, “Let’s Do It! Let’s End Needless Blindness!” While playing that out in my head, a thought occurred to me. CharityVision isn’t just about vision. Yes ending needless blindness is the end-goal but in their quest to bring people out of the dark, they are providing entire countries with the ability to thrive and move forward. They are helping those in their residencies get better training and experience; they are helping doctors set up practices without the worry of

being able to sustain them. Those practices offer jobs to locals, and locals are able to develop patient, doctor, and employee relationships that, without CharityVision’s help, would not have happened. CharityVision is bringing underdeveloped countries into the light. As a writer, I tell stories. As the mother of a child who knows what it is to be blind, who has watched their face light up as the world around them comes into focus, enlarged through modern technology, I ask myself; how can I share CharityVision’s story, how can I create awareness? Doug said to me, “we would love to put corporate names on clinics, we’d love to do matching, we’d love to be able to give stories, we’d love to see corporations adopt a country or adopt a clinic – it seems like it would be a great thing – you know adopting a clinic. Have a little excursion with their employees to go paint it and spend a few days with the locals. We’d love to develop it but it’s not really in our wheelhouse of skills. How do you break into corporate?” I’m not sure I have the power to break into corporate but I do have the power to use my words to create awareness.

Let’s get CharityVision on the radar and see if we can generate some great corporate partnerships. Their home base is right here on Silicone Slopes – that’s right – they’re where the tech world is happening. Using current technology and finding ways to create new technology to end needless blindness sounds like a match made in heaven to me. Their entrepreneurial model of creating businesses, opportunities, and jobs, seems like a perfect way for charity and technology to merge and create new stories. Until then here are a few great ones to tide you over: A grandmother brought her grand-daughter in for cataract surgery. When the surgery was finished she turned to Doug and asked, “What about my eye”, this 80 year old woman had spent her life feeling like she looked funny because she had a lazy eye. CharityVision restored the grand-daughter’s sight and the grandmother’s self-confidence. A teenager wrote CharityVision, “I was contemplating suicide. I was thinking about how I was going to end my life as my world was going black and I was slowly going blind. Then I heard about what you guys

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did and I went and got my eyes fixed...” A child teased for years because their eyes are crossed received a procedure to straighten them and with a sigh of relief the parent says, “I always knew they were beautiful – now the rest of the world can see it too”. Another child, a little girl named Betty in Haiti, was taken out of school and out of society because she was needed to take care of her blind grandmother and auntie. After they both received cataract surgery a picture of the three of them was snapped. Betty sits in the middle of her grandmother and auntie – all three with huge grins. The doctor says, “I don’t know who is more excited her – or them”. Betty can now go back to school. Betty can go outside and play and be a little girl. CharityVision changes lives. They restore color and light to those who are needlessly blind and when that happens they exclaim, “The world is beautiful! I remember the color! I remember the light!”

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Here’s a gorgeous way to use your housemade ricotta! Baby red butter lettuce on a swirl of housemade basil ricotta, with roasted tomatoes and focaccia crisp, drizzled with olive oil and balsamic reduction, then garnished with micro greens and nasturtiums. YUM!

The Art of Breaking Bread Together is my way of saying it’s time for America to embrace the sense of community and unity that comes from dining, laughing, and sharing across the supper table. It doesn’t matter if that table is at home, in a restaurant, at the company dining room, or even your drop-down table on an airplane, seize the opportunity to connect. We can heal ourselves and others as we break down old barriers that keep us separate and afraid. Join hands! Reach out! Break bread together across a bowl of homemade ricotta and ask your companion to do the honors of drizzling the olive oil!

HUGS, MARY

Homemade Ricotta INGREDIENTS: 4 cups whole milk 2 cups heavy cream 1 teaspoon kosher salt 3 tablespoons apple cider vinegar Cheese cloth

DIRECTIONS: Combine milk, cream and salt into a medium sauce pan. Bring to a boil. Add vinegar. Allow to stand for a minute until it curdles. Set a sieve into a deep bowl, line the sieve with your cheesecloth. Pour your milk mixture into the cheese cloth, Allow to drain into your bowl- should take about 20 minutes, or a while longer if you would like thicker ricotta. Once it is the consistency you want, transfer the ricotta into a small bowl and discard liquid in the bowl and the cheese cloth. Voilà! Ricotta! Cover immediately with plastic wrap and it can be stored in the refrigerator for a week.

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|BYDAVETUCKER www.sinerjemedia.com

Building experiences that connect brands to their people.

SONOS BEAM SOUND BAR WITH AMAZON ALEXA $399.00 The Sonos Beam soundbar has a beautiful design and excellent audio quality. Like all Sonos products, the beam is incredibly easy to install. Available in black or white, it can blend in with just about any decor, too.

EMPORIO ARMANI CONNECTED SMARTWATCH

$241.50 The Emporio Armani Connected smartwatch has a casually cool, gorgeous display and Qualcomm’s Snapdragon 2100 chipset for wearable devices. The Google Wear OS smartwatch also has up to two days of battery life, easily interchangeable bands, and a stainless steel case that’s available in several striking finishes, ranging from a stealthy black, to a yellow gold option.

TILE ANYTHING FINDER COMBO PACK

$44.99 These small and nifty gadgets by Tile will help you find anything you attach them to, so long as your phone is within their Bluetooth range. In case you lose an item, you’ll receive notifications when the gadgets come within the range of another Tile user. Available in two finishes (sport and style), the tiny trackers are about as easy to carry around as it gets, and their non-removable battery lasts for a year.


FAMILY

THE SECRET TO A BALANCED LIFE

IS NOT BALANCE

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It’s one of the most misunderstood concepts of life…BALANCE. I mean, I totally get what people are striving for- a search for some equal amount of time being spent in the various areas of their lifesome in career, some in marriage, some in parenting, etc… I get it. The key to balance is NOT seeking ‘balance’. Balance is a RESULT of achieving something else. Just like fitness is a RESULT of achieving something else, like mastering healthy eating and daily exercise. Same concept for “balance”. I’m old enough to remember when every playground had a teetertotter on it. (One of the most dangerous playground toys ever invented next to that ridiculous spinning thing we called a merrygo-round but should have been called the spinning wheel of horror- to another. That ‘shifting’ of weight is actually a literal act of… PRIORITIZING! The secret to balance in life is prioritizing. THAT is alas I digress.) One of the challenges we issued to each other on no small task and not as easy as some would suggest. the teeter-totter was to stand in the center of it with one foot on one side and the other foot on the other side- trying to hold the The process of prioritizing means choosing one thing over another, teeter-totter perfectly still in a level, balanced position. It required at least for a moment. When you are trying to strike balance a continuous, subtle shifting of weight from side to side trying to between two or more things which you feel all have similar strike the perfect balance. It was so hard but doable. importance, the challenge begins. You want to attend your son’s soccer game but you also need to get that urgent thing at work The balanced teeter-totter, like our life, is balanced as a result done. Some would try and simplify the choice by saying, “whats of that continuous, subtle shifting of our weight from one side more important- your son or your boss?” That’s not really a fair scenario since both are intertwined.

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Your son plays soccer because you have the funds to pay for the financial costs of doing so. On the flip side, you are a much more effective employee because you have a solid family life. The struggle is real! So what is one to do who is striving for that hardto-capture status of having ‘balance’?


Here are three proven mindset adjustments that will take you a little closer to achieving some sense of balance:

1. 2. 3.

Balance does not mean equal time. If balance meant equal time then you would need to spend as many hours each day with your children as you do at your day job and then an equal amount of time with your spouse and then an equal amount of time on yourself at the gym! Um, ya that’s not going to happen nor would that really be balanced by most people’s standards. You only have 24 hours in a day and some of those should be spent sound asleep. While there may in fact be some people who have achieved that sort of schedule, most people’s structure of balance must still be based around a day job and the limitations that come with that. The good news is balance is not always driven by a clock or stopwatch. Its driven by quality time.

Your top two life priorities will trade places periodically.

Your #1 priority may indeed always be your family. I am certainly one who has always stated “family first” and I believe it, live it, preach it. NOTHING will ever take priority over my family. NOTHING. My second priority is to provide for this family I love so much and to do so, there are certain moments where I must place something else in first position for a moment: In an effort to complete an urgent project, email, proposal, etc. it may require stepping away from the family to focus on something urgent at work. So in that moment, you could take a snapshot of me and say that in that moment, work seems to be a priority over family. Well, in a micro-moment, sure. You could make that argument. It is in that moment of work-focus that enables me to then return to the family relieved of a work burden and able to now give 100% to the people I love. This leads to a sense of balance.

Balance isn’t measured hour by hour. If you take a business trip and are gone for three days, then trying to measure balance during that time, is selfdefeating. If you go on a vacation with your family and don’t do any work all week, then that too would be a bad time to try and measure your balance. Be fair and keep your life in context when evaluating how your life balance is looking over-all. Not hour by hour or even day by day. Accept that balance is a continuous act of shifting your weight (focus) from side to side and is something you will work at all life long and you are not alone in this endeavor. Success is not measured by ACHIEVING perfect balance. You are successful if you are continuously STRIVING for balance.

That’s a win my friend!

THE BALANCED TEETER-TOTTER, LIKE OUR LIFE, IS BALANCED AS A RESULT OF THAT CONTINUOUS, SUBTLE SHIFTING OF OUR WEIGHT FROM ONE SIDE TO ANOTHER. AND THAT ‘SHIFTING’ OF WEIGHT IS ACTUALLY A LITERAL ACT OF… PRIORITIZING! NUGENT MAGAZINE

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EVEN MILLIONAIRES LOVE BUDGET TRAVEL

Watch out for scams and research all the options just like you would any investment.

By Loralie Pearce

Cheap Paddle Board Adventures with Narwhals! Paddle boarding across Hudson Bay accompanied by a pod of narwhals was not what you had in mind when looking up, “deals on Canadian tour packages”, yet too often it seems that in order to get a great deal on travel you have to put up with some pretty uncomfortable situations. For the extreme adventurer out there – there’s always one – who thinks standing on a thin piece of fiberglass and epoxy in sub-zero waters, with only a paddle to fend off being impaled by an eight foot tusk, is the close encounter they’ve been waiting for – read the fine print. For the rest of you world travelers out there who don’t want to sacrifice comfort (or your bodies) for a killer deal here are a few tips to help you save money while traveling:

Travel Wise. Whether you’re traveling for business or pleasure you don’t have to surrender quality and luxury to save money but you do need to be sensible. There’s a lot of noise out there right now when it comes to travel resources, some are credible and others – not so much – so stay a step ahead of the others. Do your homework and ask questions. It’s not always too good to be true but most of the time it is. Watch out for scams and research all the options just like you would any investment.

DIY or use a Travel agent. Online travel portals give you instant access to a plethora of deals and last-minute savings on everything from airline flights and cruise packages to car rentals and hotel or property reservations. Today’s tech has put the world at your fingertips – quite literally. It’s easier than ever to look up and make travel arrangements from your Smartphone. In fact – if you’re sitting on a posh pot in your favorite restaurant because reading Nugent in a stall is far more exciting than your lunch date, let me help you out. For a list of some of the best travel apps for 2018 touch here: 28

digitaltrends.com/mobile/best-travel-apps. If you are reading on your laptop without a touch screen go ahead type it in – I’ll wait... Back? Great! I hope you found some screaming deals but before you click and send you might want to call a travel agent just to check and see what they have to offer. Keep your options open. While making your own travel arrangements can be rewarding, fun, and save money, there is a downside to DIY travel – they usually come with zero guarantees. Sometimes that’s okay but there are times where a guarantee would be nice – like being stuck up the Hudson without a paddle for instance. A good travel agent would have steered you away from that debacle but for the one extreme adventurer out there who bribed their agent to book anyway, rest assured that most agencies generally have an agent available 24/7 ready to help you out of tricky situations. Travel agents can save you time as well as money by doing all the research work for you. They are aware of a lot of travel options and have access to insider rates, routes, packages, and promotions that you can’t get on your own. Most agents have service fees so ask for those upfront. If the agency charges a trip planning fee here is a little insider tip; ask if it can be applied to your total cost or if they will refund NUGENT MAGAZINE

the fee once the reservations are confirmed and paid for.

Earn and use your points, miles, and/or credits. Whether you book a red-eye yourself to save our best friend, a.k.a. our extreme adventurer, from being shish kebab, or you use Tina the travel agent to book you and ten of your friends an experience of a life time on the floe edge of Baffin Island – make sure you use your points or cash back cards. Having and using credit cards that offer travel points or cash back on everything from airline tickets to car rentals, to food and souvenirs can save you a lot of money. If you’re not already familiar with The Points Guy I suggest jumping on to his website to learn more about getting the most out of your miles, credit cards, and other vacation perks. He suggests using multiple accounts in case someone changes the rules and treating your miles and points like you would your stocks and retirement.


Skip the five-star hotel and rent an estate. As luxury rental companies become more prevalent, choosing to rent an estate, villa, or castle, over a five-star hotel can offer significant savings. Luxury rentals can also add an additional level of privacy, security, and discretion, as well as; more space for family, friends, support staff, clients, or employees. Many of these businesses are ramping up their services to meet the needs of their guests. Offering hotel-like amenities, concierge and butler service, personal chefs, special passes to local spa and fitness clubs, and access to members-only clubs just to name a few. Most properties are vetted; however, visiting a property you are interested in is always a good idea. Here are a few of the top sites to visit for luxury rentals: onefinestay.com offers business or vacation estate rentals in cities all over the world including; London, New York, Paris, Rome, or Los Angeles. Want to visit St. Barts, Tuscany, or the Riviera Maya go to luxuryretreats.com. Maybe a sprawling ski-in/ ski-out luxury home in Utah sounds like a great place to have a client retreat. What? No snow? I can’t imagine! You could take them to the local Iceberg or go to the south of France and stay at an estate in the exclusive Golf Resort of Terre Blanche. France or Utah – I know it’s a toss-up – lucky for you either one can be found at villasofdistinction.com. Builder-anddecorator-duo Heinz Legler and Veronique Lievre offer homes and small hotels, with architecture as unique as they are, on their site; boutique-homes.com. Dreamexoticrentals.com and timeandplace. com will help you find properties in the Swiss Alps, South Africa, and 45 other destinations across the globe, including a contemporary home once owned by Frank Sinatra in Palm Springs. If skipping the hotel is not an option here is a list of discount luxury hotel booking sites:fivestaralliance.com, hoteltonight. com (also a smart phone app), jetsetter. com, luxurylink.com, secretescapes.com, spghotescapes.com, splendia.com, tablethotels. com, and voyage-prive.co.uk (VPG).

flexible with your travel plans. Making small adjustments to your itinerary can translate into measurable savings. For example; look for low-demand flights or book flights that depart or arrive Monday or Tuesday mornings. Book leisure routes instead of business routes, you can also save by departing/arriving at smaller airports. If you utilize luxury airport lounges consider looking at the LoungeBuddy App. The app is designed to provide instant access and price guarantees with a 100% refund if you find a better deal. Owning your own jet or yacht, of course can save you money in the long run but, if you’re still saving up for your future purchase, booking a private plane or yacht from luxury charter companies can be a great option as well. Plan ahead when dining; use services like entertainment.com or groupon.com to find discounts on restaurants and fine-dining. Opt to stay in and have a private chef fix you your favorite meal, or cook with your family and friends – a lot of good conversation and wine tasting happens during prep time. Go on a wine tasting tour, meet the wine makers, and experience the fine wines of the area for less as part of the package. Purchase the entire bottle of wine while dining versus paying per glass; if the drinks of your choice are not readily available check with restaurants that let you BYOB. When taking in the sites of your destination, walk, ride a bike, take a bus or train, rent a rickshaw and take your companions for a ride while getting exercise, or let the locals take you on a tour of their beautiful country.

Be kind and courteous. There are a lot of short-tempered sharks in that ocean of travelers you’ll be exposed to. Don’t be one of them. If you accidentally get handed a paddle board and pamphlet of things to watch out for while swimming with tusked marine life – before throwing the glossy leaflet and a frozen F-I-S-H bomb at the reservationist – take a deep breath, be composed, thoughtful, and patient, remember most people really are trying their best to make your experience a good one. You may be surprised to find that certain fees are suddenly waived or that, ‘unavailable thing’, you requested just became available, all because you’re such a pleasant person to work with. In fact I’ve enjoyed our time together so much that I’m going to share this amazing Arctic tour I found the other day for a fairly reasonable price. After your bestie recovers from frost bite the two of you should visit eagle-eye.com they offer an incredible opportunity to traverse Baffin Island with local Inuit guides, see a polar bear or two, enjoy throat singing in town and – wait for it... experience close encounters with narwhals from the safety of the floe edge. I know some of you are jumping up and down right about now, exchanging high-fives and chest bumps, while singing the narwhal song from YouTube (or looking it up because you’re wondering what this quirky person’s talking about it) either way – with the money you’ll save by following all these great tips you can buy a paddle board and explore the world with your very own unicorn of the sea. Happy travels my friends!

“...throw off the bowlines. Sail away from the safe harbor. Catch the trade wind in your sails. Explore. Dream. Discover.” – Mark Twain

Use Local Currency. Save money by traveling where the dollar is strong, and always use local currency, wherever you go. Sure most credit card companies don’t charge a foreign transaction fee; however, paying in dollars triggers the Dynamic Currency Conversion (DCC), this service is usually run by third party operators rather than card issuers, and can add 5% or more to your bill. The only thing you want to add to your bill is savings right? Here are a few more tips to increase your savings stash: travel off-season and be flexible. Airlines, cruise lines, hotels, and luxury rental properties, offer offseason packages and deals that can be slashed by 50% or more of what you’d pay during peak travel periods. If circumstances allow; be NUGENT MAGAZINE

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TECH INVESTING

WHEN PENNIES MAKE DOLLARS By Michael Young bit.ly/michaeldyoung

Never know what to do with your spare change? There’s an app for that. You don’t need ominous statistics or fancy graphs to know that people are paying more for college than ever. Most students leave college with crippling student loans, a burden they will be carrying the rest of their working lives. And don’t get me started on credit card debt. Credit card companies are hungry for new customers, offering easy credit with high rates that guarantee they’re the only ones winning at this game. To make matters worse, after college, real life sets in, with bills, cars that break down, and kids on the way. Life sure doesn’t get less expensive. The debts pile up and it’s easy to justify paying the minimum every month so that even small debts are strung out for years. This is where the spare change comes in. And the app. Cents began when its founder, Joel Ehorn, looked at the current roundup investing app he had on his phone. He had been using it for months and was shocked to see that he had actually lost money using the app. He realized that model depended too much on the ups and downs of the market. Instead, he wanted an app that directly paid off his credit card debt. And so Cents was born. Once you have the Cents app on your device, all you have to do it point it 32

to a funding source and a debt. Every time you make a purchase, the app automatically rounds up to the nearest dollar and saves the difference to help pay down one of your debts. Are the app’s creators doing this out of the goodness of their heart? Well, there is a price, but not a super high one. The app only costs $2.00 per month, which is added to your first week’s withdrawal of all your roundups. If you are making regular purchases, however, that should be such a small amount that you will barely notice it in the larger scheme of things. The $2 goes towards covering the app’s costs they incur for moving money around. Just what kind of debts can you pay off with Cents? Basically any kind! You can point it at a credit card account, a student loan debt, your


N S E S

Pay off auto loans with spare change.

HOW IT WORKS: So, if you pop by your local Starbucks and grab a drink for $4.55, the app rounds your purchase up to $5.00, and saves that extra $.45 to pay down one of your debts. In the app, this is known as a “roundup” of $.45. That means the most you will pay per transaction is $.99 if your total happens to end with “.01” total. The app keeps track of all these transactions over the course of a week and makes a withdrawal from the account you gave it. Over time, these pennies add up to make dollars, and with hardly thinking about it, you are chipping away at your debt, day in and day out.

mortgage, or any other kind of debt that is tracked with an account. You can link any kind of bank account you want, and just in case, the app makes sure that it will never make a withdrawal that will cause you to have insufficient funds. If that happens, it just rolls those roundups over for the next time you have enough money in that account. And if you want to do more than only paying the weekly roundups, you can make additional payments on your debts at any time right in the app. If it seems you are sharing a lot of personal information to the app, you’re right. But there you can breathe easy as well. The app includes advanced security measures to ensure that all of your personal and financial information remains completely private. Though it may not seem like much, the Cents app points you in the right direction and gives you a powerful tool: consistency. Like the famous story of the tortoise and the hare, slow and steady can win the race over time. Each roundup might not seem like much, but over time, they ensure that you are paying back your debt in a simple way that you probably won’t even notice. You can let that pocket change hang out in your car’s cup holder, or you can put those pennies to work.

Buy a drink for $4.55

Cents rounds it to $5

Save extra 45¢ to pay debt

Maximum roundup is 99¢

Those pennies will make you dollars, and those dollars can help make even mountains of debt into molehills.

Once you have the Cents app on your device, all you have to do it point it to a funding source and a debt. Every time you make a purchase, the app automatically rounds up to the nearest dollar and saves the difference to help pay down one of your debts. NUGENT MAGAZINE

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STYLE/FASHION

By Courtney Brown www.MyCentsOfStyle.com When you LOOK good, you FEEL good!

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Hello. My name is Courtney Brown. I am thrilled to get to share a few words with you each month as the new style columnist here at Nugent Magazine. By way of introduction, there are three things you need know about me so we can talk like the old friends we will surely become. One, I am a wife, mother and CEO. I reject the notion that I have to choose between any of those titles to lead my bold & full life. Two, I love all things style and fashion. I always have. I always will. I was the 10 year old girl who took her birthday money to the mall to buy a baby doll dress and denim flower hat a la’ the tv show Blossom in 1992. I still am the girl who will try any trend and report back to my friends, not so much on how I looked, but on how it made me feel. Three, I love sushi nearly as much as I love gas station nachos, Marc Jacobs nearly as much as Target, and The Bachelor but not even close to as much as I love Virginia Woolf. For me, it’s not so much about the price tag of style, fashion, vacations, or food, but more about how the experience of having those things makes you feel.

Yes, style is an external representation to the world of who you are and who you want to be. Style speaks of culture, class, personality and preference, but more importantly than what personal style shows the world, your style gets to say something about how you FEEL on the inside to the external world. How you feel about yourself. There is a direct link with how you look on the outside and how you feel within. Yoga pants and a messy bun feel differently than a bold lip and little black dress. You can feel your best in a clearance rack jumpsuit or your absolute worst in a pair of Christian Louboutins. So, the next time you put on an outfit ask yourself one question, “How does this make me feel?” And if the answer is anything less than, “my best self,” take it off and try again. Life is too short to wear anything that doesn’t make you FEEL amazing. Because like we say at my e-commerce fashion company, Cents of Style, when you LOOK good, you FEEL good, and then you can go and DO good in the world in which you live.

And that is why style matters. NUGENT MAGAZINE

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11550 South 700 East, Suite 100 • Draper UT, 84020 | 801-462-2200 | foresightmgt.com Foresight Wealth Management si registered as an investment adviser and only conducts business in states where it is properly registered or is excluded from registration requirements. Registrations is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. Content should not be viewed as personalized investment advice or as an offer to buy or sell any of the securities discussed. Legal and tax information is general in nature. Always consult an attorney or tax professional regarding your specific legal or tax situation. Different types of investments and products involve higher and lower levels of risk. There is no guarantee that specific investment or strategy will be suitable or profitable for an investor’s portfolio. All investment strategies have the potential for profit or loss. Third-party rankings and recognition from rating services or publications are no guarantee of future investment success. Working with a highly-rated adviser does not ensure that a client or prospective client will experience a higher level of performance.

Nugent Magazine || Fall 2018  
Nugent Magazine || Fall 2018