HWR- Issue #5

A  publication of the FJMC - December 29, 2014 

Dear Friend
Thank you for joining us for another issue.  We truly care about you and your family’s health.  We want to provide some information to help you live a long and productive life. These health and wealth tips are shared with you from our research.
For any questions, feedback, or reviews please contact: Richard Gray rgray@fjmc.org or Gary Smith DVM. gsmith@fjmc.org 
Yours in brotherhood,
Richard Gray and Gary Smith, DVM


Health Management



th health tip is Sunlight -

Wow, why do you suppose getting sunlight is so important to our health? 

Vitamin D!

Vitamin D is critical to our health and sunshine is a great natural source of the best form of vitamin D that we can get.


Some key facts about vitamin D:

  • Low levels in pregnancy can cause gestational diabetes, preeclampsia, and small infants.
  • Getting enough from foods is possible, but the ability to get enough is questionable.  We get some when we eat wild fish, egg yolks, and dairy products.  
  • Keeping normal levels of vitamin D reduces the risk of Alzheimer’s, depression, bone pain, muscle pain, soft bones, cancer and heart disease
  • It is called the “sunshine vitamin” - In the winter we get depression from not enough - this is called Seasonal Affective Disorder (SAD).  It is why we get depressed in the winter and feel sluggish.  For years I would get back pain in the winter. I thought it was from working-out to hard.  I had my vitamin D levels checked and they were low normal.  After 3 days of taking vitamin D supplements all the discomfort went away.  I worked all day and was never in the sunlight 5-6 days a week in the winter.  Come spring and summer all the back pain went away. 
  • One thing to remember is if you take vitamin D supplements do it under a doctor’s supervision as too much can cause poor appetite, nausea, vomiting, or renal (kidney) disease.


I hope the health tip this week was helpful and gave you some “food” for thought.  It is very important for our mental and physical health to get sunlight (but remember to wear sunscreen).  Always check with your doctor, these tips are meant to make you more aware of your health and what you can do to live a more healthy life.




Wealth Management



The concept we will continue today is "What you need to know to be a successful investor." Certainly this is subject to discussion, but one of the most successful newsletter writers of all time Steve Sjuggerud defines and discusses these ideas.


In issue #4 we listed the first 5 pointers on successful investing, now we will complete this series with the final 4 pointers.


  1. History will repeat itself or it will be similar.  In 2006 everyone wanted to buy real estate - it was at it peak and you could not get enough of it. This is similar to what happened in several other times in history.  Then in 2008 everyone wanted to sell their investments in real estate.  The best and most experienced investors will sell when everyone is buying, and will buy when everyone is selling.  This is the most basic philosophy of investing.  Keep in mind Warren Buffet’s quote “when there is blood in the streets buy, and when every one is greedy sell” as it will help guide you on your investing journey.
  2. Don’t fight the trend.  If a stock or company is in free fall do not buy it on speculation. If a company has been doing poorly and starts an uptrend then it might be a good time to buy. There are other factors that go into investing in a company, but your chances of making money increase in a bad to less-bad situation.  A great example was in 2008 when everything fell, including companies like Coca Cola, Pepsi, Hershey, Johnson and Johnson and a whole host of others.  Once they bottomed out we were faced with perhaps our greatest opportunity to make money in history.  These are great companies that had fallen and slowly started coming back in early to mid-2009. We certainly will get other chances, so be aware of the opportunities. 
  3. Cut your losses early.  The best way to preserve capital is to set a plus or minus stop point in your mind, and to sell after you have hit that stop. For example, let’s say you bought a stock at $25 and you have a 20% stop.  If the stock loses 20% and it hits $20, you sell.  That way you will preserve your capital and move on to the next investment.  On the other hand, if that stock goes up 20%, which makes the price $30, but then it starts to fall, then your stop would be readjusted to $24 so that you cut your losses. Using that technique, you might not have been bludgeoned by World Com, Enron, Lehman Brothers, and many others.  A basic philosophy of investing is to not loose money.  This is a good way to prevent this.
  4. When in doubt, do not invest! If you are questioning an investment, then don’t do it.  Only invest if you really know what you are doing and have researched the investment.  Ask many people.  You will not loose money if you do not do an investment.  If something is too good to be true, it probably is not true.


This concludes the wealth management discussion for this issue.  Wealth management is a very large topic but we will continue to cover as much as possible in the months ahead, with our sponsors as part of the contributors.  




Thanks for reading our

newsletter.  We will continue to delve further in-depth in subsequent issues.    

Thank you for following us and the tips we give.  You are helping to make this a new successful initiative by FJMC. If you like the tips, please share them with others in your Men's Club; FJMC means so much to so many of us and has made a large difference in our lives.


As always, please be generous with your feedback.  If you have comments or questions please contact Richard Gray at rgray@fjmc.org or Dr. Gary Smith at gsmith@fjmc.org


Here's to our Health Wealth and Retirement !


Information used for this article was taken from a Stansberry newsletter on successful investing, Cleveland Clinic Men’s Health Advisor, WebMd, Bogleheads guide to investing, and some personal considerations.


The investment companies named above are merely representative and not necessarily better or worse than others.

HAPPY (Secular) New Year!
LEGAL DISCLAIMER: This work is based on current events, interviews, corporate press releases, and what we've learned from several mentioned health and wealth newsletters. It is also based on some personal experiences. It may contain errors and you shouldn't make any investment decision based solely on what you read here. It's your money and your responsibility. FJMC is not making specific recomendations of stocks or bonds just possible ideas that might be considered for research and investing purposes. This information is being provided for informational purposes only.
Federation of Jewish Men's Clubs
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