to and print!

4
Ambrose News
This Month In History ...
Issue 76 March 2016
In this issue ...
March 2016
Sun
Mon
Tue
1
7
2
Thu
3
Fri
4
Sat
5
1927 - Babe Ruth
becomes highest
paid baseball player
($70,000 per year).
Come visit us at
www.bambrose.com!
6
Wed
5 Steps to Retirement Readiness
March 2016 Crossword Puzzle
Creamy Irish Soup
This Month In History
Lost or Stolen Wallet Inventory Checklist
8
9
5 Steps to Retirement Readiness
10
11
12
1981 - Walter
Cronkite signs off as
anchorman off the
CBS Evening News.
One of the biggest challenges of retirement planning is balancing your lifestyle needs and desires with a new budget. There
are various ways to accommodate your lifestyle without breaking the bank, but for now we will focus on these five steps to help
you prepare for a reasonable retirement budget.
Analyze your living expenses. Start now, before you retire, and you can ease the eventual transition into your new budget.
Cut back on unnecessary expenses that you might not be able to afford during retirement, and you will be able to save more
for the future. That's not to say that you have to cut out everything you enjoy; just keep in mind that gradual changes are often
easier to accept than sudden ones.
Reduce your debt. The best way to reduce your monthly expenses is to get out of debt before you retire. Some people even
choose to keep working a year or two longer, so that they can retire without the heavy burden of debt. You will enjoy more
room in your budget, and you will probably feel more confident about the future.
13
14
16
44 B.C. - Julius
Caesar assassinated in the Senate
chamber in
Rome, "Beware
the Ides of
March".
2016 - Daylight Savings Time begins
today!
20
15
21
22
28
18
St. Patrick's
Day
23
1963 - After 29
years, Alcatraz
prison is closed.
27
17
24
1989 - The oil tanker Exxon Valdez
runs aground in
Prince William
Sound off Alaska.
29
30
31
1886 - Coca Cola
is invented.
1964 - Jeopardy
debuts on television.
1889 - The Eiffel
Tower opens in
Paris, France.
25
19
1918 - Congress
approves Daylight
Savings Time.
Get rid of that house payment. Most people report that housing is their largest monthly expense. Are you living in a larger
home than you will need in retirement? Will you be able to afford the homeowners association fees and upkeep on the house?
Now that you no longer need to worry about living in the right school zone, can you move to a less expensive area? Consider
all of these factors when deciding where to live in retirement, and you could reduce your housing costs significantly.
26
Consider health care expenses. Your health care plan in retirement will be different from the one you have now, and your
health is likely to change as you age, as well. Since Medicare does not cover all medical care at 100 percent, you will have to
cover co-pays and deductibles. If you experience the need for long term nursing care, you might be shocked at the price tag.
Before you retire, make sure you're taking good care of yourself, and consider opening a health savings account if you can.
This will allow you to set aside pre-tax dollars to be used for future health care expenses. You might also think about various
types of insurance such as long term care insurance or Medicare supplemental plans.
Prepare for emergencies. What happens if you need to replace your roof, or you need a major car repair? Pulling additional
funds from your retirement savings account can trigger long-term consequences for your future budget. Set aside some cash in
a savings account, so that you can deal with emergencies without disrupting your plan for the future.
As you get ready to retire, call us to schedule a consultation. We can go over every item on your list, plus some that you
perhaps haven't even considered, and help you put together a plan for a stable retirement.
Best Regards,
Brian
This newsletter contains general information that may not be suitable for everyone. The information contained herein should not be
construed as personalized investment advice. Past performance is no guarantee of future results. There is no guarantee that the views
and opinions expressed in this newsletter will come to pass. Investing in the stock market involves gains and losses and may not be
suitable for all investors. Information presented herein is subject to change without notice and should not be considered as a solicitation
to buy or sell any security.
2
3
March 2016
Across
1 Chinese tea
4 Detective Wolfe
8 Taxi
11 Rich soil
12 Magic spells
13 Heredity unit
14 Black Beauty author
16 Ionian gulf
17 Peas, for short
18 Quantities (Abbr.)
19 Vicar of Wakefield author
Goldsmith
21 Birthplace of St. Francis
23 Airport posting inits.
24 Internet provider inits.
25 Alone
28 Safety device
31 Zither’s cousin
34 From the ___
36 Mad Hatter's drink
37 Aeneid figure
38 More ironic
39 Chime
40 Actress Farrow
41 Broadcast
42 To be (Lat.)
43 Amigo
44 Some votes
45 Deli sandwich inits.
47 Periodontist's deg.
49 Aches
53 Witches of Eastwick author
56 Mystique
58 Black gold
59 Horse color
60 Les Miserables author
63 London district
64 Quechuan
65 "Of course!" words
66 Totality
67 Spline
68 Pricing word
Down
1 Ice cream holders
2 Hovers
3 Doc bloc
4 Triton
Creamy Irish Soup
Ingredients







2 tablespoons butter
4 medium green onions, sliced (about 1/2 cup)
1 stalk celery, sliced (about 1/2 cup)
1 3/4 cup Swanson® Chicken Broth (Regular, Natural Goodness™ or Certified Organic)
1/9 teaspoon ground black pepper
3 medium potatoes, sliced 1/4-inch thick (about 3 cups)
1 1/2 cup milk
Directions

Heat the butter in a 3-quart saucepan over medium heat. Add the onions
and celery and cook until tender.
 Stir the broth, black pepper and potatoes in the saucepan and heat to a
boil. Reduce the heat to low. Cover and cook for 15 minutes or until the
potatoes are tender.
 Place half of the broth mixture and half of the milk in a blender or food
processor. Cover and blend until smooth. Repeat with the remaining
broth mixture and remaining milk. Return to the saucepan and heat
through.
5
6
7
8
9
10
11
12
13
15
20
22
Former spouses
Electrical unit
Norway's capital
Don Quixote author
Poker starter
Grizzly
Volcano output
The Sun Also Rises author
Pace
Back talk
Sign before Virgo
Rascals
25
26
27
29
30
31
32
33
35
39
44
46
Mixes up
Curved molding
Don Juan author
Congers
Narrative
Cord fiber
Diva's song
Chitty Chitty Bang Bang
author
Penn. city
Phi ___ Kappa
Quiz
Shakespearean king
More puzzles at www.bambrose.com
48
50
51
52
53
54
55
56
57
61
62
Flintstones pet
Awaken
African river
Wild plum
Celestial bear
Swim setting
Diabolical
Bank holding (Abbr.)
Beehive State
Actress Balin
Pelvic arch
Click here for this
month’s puzzle
solution
For more information about Ambrose Financial, visit www.bambrose.com,
email Brian directly at brian@bambrose.com or call him at (925) 906-4615.
Investment Advisory Services Offered Through Brokers International Financial Services, LLC, Member SIPC, Panora IA.
Ambrose Financial and Insurance Services, LLC and Brokers International Financial Services, LLC are not affiliated.
Brian Ambrose is an endorsed agent of Ambrose Financial and Insurance Services, LLC (CA Insurance License No. 0F95178)
’d
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like
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o
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w.
ww
This rich and creamy potato soup is subtly flavored with celery and green onions. It's the kind of soup you'll want to savor slowly...even though it's ready in just 35 minutes.
Come check out our website at www.bambrose.com
DID YOU KNOW?
All of the Saint Patrick’s Day revelry around the globe is great news for brewers. A 2012 estimate pegged the total amount spent on beer for Saint Patrick’s Day celebrations at $245
million. And that’s before tips to the pubs’ bartenders.
http://mentalfloss.com/article/55599/15-delightful-facts-about-saint-patricks-day
500 Ygnacio Valley Road, Suite 150, Walnut Creek, CA 94596
Office located in Principal Financial Group
For appointments, call Laura at (925) 906-4607
For account service, call Dedee at (925) 906-4609
2
3
March 2016
Across
1 Chinese tea
4 Detective Wolfe
8 Taxi
11 Rich soil
12 Magic spells
13 Heredity unit
14 Black Beauty author
16 Ionian gulf
17 Peas, for short
18 Quantities (Abbr.)
19 Vicar of Wakefield author
Goldsmith
21 Birthplace of St. Francis
23 Airport posting inits.
24 Internet provider inits.
25 Alone
28 Safety device
31 Zither’s cousin
34 From the ___
36 Mad Hatter's drink
37 Aeneid figure
38 More ironic
39 Chime
40 Actress Farrow
41 Broadcast
42 To be (Lat.)
43 Amigo
44 Some votes
45 Deli sandwich inits.
47 Periodontist's deg.
49 Aches
53 Witches of Eastwick author
56 Mystique
58 Black gold
59 Horse color
60 Les Miserables author
63 London district
64 Quechuan
65 "Of course!" words
66 Totality
67 Spline
68 Pricing word
Down
1 Ice cream holders
2 Hovers
3 Doc bloc
4 Triton
Creamy Irish Soup
Ingredients







2 tablespoons butter
4 medium green onions, sliced (about 1/2 cup)
1 stalk celery, sliced (about 1/2 cup)
1 3/4 cup Swanson® Chicken Broth (Regular, Natural Goodness™ or Certified Organic)
1/9 teaspoon ground black pepper
3 medium potatoes, sliced 1/4-inch thick (about 3 cups)
1 1/2 cup milk
Directions

Heat the butter in a 3-quart saucepan over medium heat. Add the onions
and celery and cook until tender.
 Stir the broth, black pepper and potatoes in the saucepan and heat to a
boil. Reduce the heat to low. Cover and cook for 15 minutes or until the
potatoes are tender.
 Place half of the broth mixture and half of the milk in a blender or food
processor. Cover and blend until smooth. Repeat with the remaining
broth mixture and remaining milk. Return to the saucepan and heat
through.
5
6
7
8
9
10
11
12
13
15
20
22
Former spouses
Electrical unit
Norway's capital
Don Quixote author
Poker starter
Grizzly
Volcano output
The Sun Also Rises author
Pace
Back talk
Sign before Virgo
Rascals
25
26
27
29
30
31
32
33
35
39
44
46
Mixes up
Curved molding
Don Juan author
Congers
Narrative
Cord fiber
Diva's song
Chitty Chitty Bang Bang
author
Penn. city
Phi ___ Kappa
Quiz
Shakespearean king
48
50
51
52
53
54
55
56
57
61
62
Flintstones pet
Awaken
African river
Wild plum
Celestial bear
Swim setting
Diabolical
Bank holding (Abbr.)
Beehive State
Actress Balin
Pelvic arch
’d
you
cipe
e
r
r?
rite
lette
favo
ews
ea
n
v
ada
r
h
a re
n ou
e
i
you
s
o
d
o
o
e
D
!
shar
’ll ch
here
like
, we
e it
h
r
t
a
n
h
o
at
ds
hm
dee
e an
Eac
o De
ecip
t
r
s
e
’
er
cip
r re
om
you
ose.c
d
n
mbr
Se
a
b
s at
ee@
cipe
ded
e re
r
m
o
m
e.co
See
bros
m
a
b
w.
ww
This rich and creamy potato soup is subtly flavored with celery and green onions. It's the kind of soup you'll want to savor slowly...even though it's ready in just 35 minutes.
Come check out our website at www.bambrose.com
DID YOU KNOW?
All of the Saint Patrick’s Day revelry around the globe is great news for brewers. A 2012 estimate pegged the total amount spent on beer for Saint Patrick’s Day celebrations at $245
million. And that’s before tips to the pubs’ bartenders.
http://mentalfloss.com/article/55599/15-delightful-facts-about-saint-patricks-day
More puzzles at www.bambrose.com
For more information about Ambrose Financial, visit www.bambrose.com,
email Brian directly at brian@bambrose.com or call him at (925) 906-4615.
Investment Advisory Services Offered Through Brokers International Financial Services, LLC, Member SIPC, Panora IA.
Ambrose Financial and Insurance Services, LLC and Brokers International Financial Services, LLC are not affiliated.
Brian Ambrose is an endorsed agent of Ambrose Financial and Insurance Services, LLC (CA Insurance License No. 0F95178)
500 Ygnacio Valley Road, Suite 150, Walnut Creek, CA 94596
Office located in Principal Financial Group
For appointments, call Laura at (925) 906-4607
For account service, call Dedee at (925) 906-4609
4
Ambrose News
This Month In History ...
Issue 76 March 2016
March 2016
Sun
Mon
Tue
1
7
2
Crossword pg 2
Thu
3
Fri
4
Creamy Irish Soup pg 3
Sat
This Month in History pg 4
5
1927 - Babe Ruth
becomes highest
paid baseball player
($70,000 per year).
Come visit us at
www.bambrose.com!
6
Wed
In this issue ...
8
9
5 Steps to Retirement Readiness
10
11
12
1981 - Walter
Cronkite signs off as
anchorman off the
CBS Evening News.
One of the biggest challenges of retirement planning is balancing your lifestyle needs and desires with a new budget. There
are various ways to accommodate your lifestyle without breaking the bank, but for now we will focus on these five steps to help
you prepare for a reasonable retirement budget.
Analyze your living expenses. Start now, before you retire, and you can ease the eventual transition into your new budget.
Cut back on unnecessary expenses that you might not be able to afford during retirement, and you will be able to save more
for the future. That's not to say that you have to cut out everything you enjoy; just keep in mind that gradual changes are often
easier to accept than sudden ones.
Reduce your debt. The best way to reduce your monthly expenses is to get out of debt before you retire. Some people even
choose to keep working a year or two longer, so that they can retire without the heavy burden of debt. You will enjoy more
room in your budget, and you will probably feel more confident about the future.
13
14
16
44 B.C. - Julius
Caesar assassinated in the Senate
chamber in
Rome, "Beware
the Ides of
March".
2016 - Daylight Savings Time begins
today!
20
15
21
22
28
18
St. Patrick's
Day
23
1963 - After 29
years, Alcatraz
prison is closed.
27
17
24
1989 - The oil tanker Exxon Valdez
runs aground in
Prince William
Sound off Alaska.
29
30
31
1886 - Coca Cola
is invented.
1964 - Jeopardy
debuts on television.
1889 - The Eiffel
Tower opens in
Paris, France.
25
19
1918 - Congress
approves Daylight
Savings Time.
Get rid of that house payment. Most people report that housing is their largest monthly expense. Are you living in a larger
home than you will need in retirement? Will you be able to afford the homeowners association fees and upkeep on the house?
Now that you no longer need to worry about living in the right school zone, can you move to a less expensive area? Consider
all of these factors when deciding where to live in retirement, and you could reduce your housing costs significantly.
26
Consider health care expenses. Your health care plan in retirement will be different from the one you have now, and your
health is likely to change as you age, as well. Since Medicare does not cover all medical care at 100 percent, you will have to
cover co-pays and deductibles. If you experience the need for long term nursing care, you might be shocked at the price tag.
Before you retire, make sure you're taking good care of yourself, and consider opening a health savings account if you can.
This will allow you to set aside pre-tax dollars to be used for future health care expenses. You might also think about various
types of insurance such as long term care insurance or Medicare supplemental plans.
Prepare for emergencies. What happens if you need to replace your roof, or you need a major car repair? Pulling additional
funds from your retirement savings account can trigger long-term consequences for your future budget. Set aside some cash in
a savings account, so that you can deal with emergencies without disrupting your plan for the future.
As you get ready to retire, call us to schedule a consultation. We can go over every item on your list, plus some that you
perhaps haven't even considered, and help you put together a plan for a stable retirement.
Best Regards,
Brian
This newsletter contains general information that may not be suitable for everyone. The information contained herein should not be
construed as personalized investment advice. Past performance is no guarantee of future results. There is no guarantee that the views
and opinions expressed in this newsletter will come to pass. Investing in the stock market involves gains and losses and may not be
suitable for all investors. Information presented herein is subject to change without notice and should not be considered as a solicitation
to buy or sell any security.
This information has been prepared by Lakes Publishing, LLC. The information provided is educational in nature and is not intended to be construed as, legal, tax or
investment advice and does not necessarily represent the views of the presenting party. Specific state laws relevant to a particular situation may affect the applicability,
accuracy or completeness of this information. Material presented is believed to be from reliable sources, but its accuracy is not guaranteed. If additional information is
needed, the reader is advised to seek professional services. Brian Ambrose Mar. 2016 newsletter crossword solution
Across
1
4
8
11
12
13
14
16
17
18
19
21
23
24
25
28
31
34
36
37
38
39
40
41
42
43
44
45
47
49
53
56
Chinese tea
Detective Wolfe
Taxi
Rich soil
Magic spells
Heredity unit
Black Beauty author
Ionian gulf
Peas, for short
Quantities (Abbr.)
Vicar of Wakefield author
Goldsmith
Birthplace of St. Francis
Airport posting inits.
Internet provider inits.
Alone
Safety device
Zither’s cousin
From the ___
Mad Hatter’s drink
Aeneid figure
More ironic
Chime
Actress Farrow
Broadcast
To be (Lat.)
Amigo
Some votes
Deli sandwich inits.
Periodontist’s deg.
Aches
Witches of Eastwick
author
Mystique
58
59
60
63
64
65
66
67
68
Black gold
Horse color
Les Miserables author
London district
Quechuan
“Of course!” words
Totality
Spline
Pricing word
PuzzleJunction.com
1
11
C
2
H
O
A
M
A
N
N
A
V
E
G
A
S
S
17
21
13
15
20
22
25
26
27
29
30
31
32
Ice cream holders
Hovers
Doc bloc
Triton
Former spouses
Electrical unit
Norway’s capital
Don Quixote author
Poker starter
Grizzly
Volcano output
The Sun Also Rises
author
Pace
Back talk
Sign before Virgo
Rascals
Mixes up
Curved molding
Don Juan author
Congers
Narrative
Cord fiber
Diva’s song
31
H
32
A
M
S
I
M S
N
22
24
I
R O
S
M
I
A
P
A
L
53
U
54
47
D
D
S
K
R O
A
N
S
O
H O
A
L
L
66
S
25
S
35
L
19
O
26
O
27
L
T
G O
W R
I
E
R
A
I
R
E
D
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E
S
55
E
60
V
56
61
A
45
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23
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36
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30
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42
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29
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39
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28
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57
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59
7
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43
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18
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15
H
5
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40
12
N
X
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37
A
33
4
A
L
14
Down
1
2
3
4
5
6
7
8
9
10
11
12
3
50
R
58
O
62
51
N
52
I
48
50
51
52
53
54
Flintstones pet
Awaken
African river
Wild plum
Celestial bear
Swim setting
L
H
U G O
I
S
E
P
E
R
65
68
©2016 PuzzleJunction.com
33 Chitty Chitty Bang
Bang author
35 Penn. city
39 Phi ___ Kappa
44 Quiz
46 Shakespearean king
S
55 Diabolical
56 Bank holding
(Abbr.)
57 Beehive State
61 Actress Balin
62 Pelvic arch
E