HWR Newsletter - Issue #4

A  publication of the FJMC - December 8, 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


Wealth Management



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


Let’s start by looking at 5 of his 9 investor tips, and complete the remaining ones in issue #5

  1. Do not expect to get rich overnight through investing. 
    It could take a lifetime to get rich, but safe methodical investing will almost always yield great results. A safe investment is one you will have long-term from 2 years to a lifetime.  People who try to make a killing by a get-rich scheme will loose money most of the time.
  2. Start small. This allows you to learn the art of investing yourself, or learn to trust someone to take care of your assets. So many people avoid investing because they are worried about loosing everything.  Some of our sponsors can spend some time with you discussing investing and starting out small or you can call Fidelity, Vanguard, or many other investment firms to find a match for you and your family.
  3. Never invest in something you do not understand.  It is easier to loose money when investing in something you do not understand. People can make things sound very appetizing, but beware.
  4. What is a good return these days?  A good return depends on timing and the amount of risk you are willing to take.This should be discussed with your investment advisors and friends.  5% in 2003 was not a good return, but 5% today is a relatively safe and comfortable return for many.
  5. Don’t put all your eggs in one basket.  You should try not to invest more than 5-7% in any one particular investment. That way you will never get hurt. If you prefer to invest in many of the top quality stocks, there are mutual funds in which you can invest.  If you want to invest in real estate, you should seek help. 


Wealth management is a very large topic but our plan is to cover as much as possible in the months ahead with our sponsors as part of the contributors.  The last 4 investment tips will be discussed in the next issue.





Health Management


Our 4th Health Tip of 2014 is Massage.  It has steadily moved up in the rankings because of its overall importance to the body’s health and healing.


Massage is part of complimentary and alternative medicine and is comprised of pressing, stroking, rubbing, and manipulating muscles, tendons, ligaments and skin.  It can change your energy levels and lower the risk of many diseases by reducing stress and free radicals.  It is so important if you are getting a massage that you drink plenty of fluids before and after to flush out all the lactic acid and free radicals that are released and are circulating in your system.


The positive benefits of massage are:

  • Reducing anxiety
  • Decreasing the effects of fibromyalgia
  • Reduction or even elimination of headaches, including those caused by temporomandibular joint (TMJ) pain
  • Relieving insomnia
  • Lessening the effects of digestive disorders, and removing the tension they create
  • Helping with sports injuries, nerve pain, and myofascial pain syndrome
  • Providing benefits as a diagnostic tool.


Like everything else there are some potential minor disadvantages, but they are rare. It is not good with severe osteoporosis, low platelet counts, bleeding disorders, burns, and healing wounds.


There are several different kinds of massage

  • Swedish - which is a gentler, long stroke massage.
  • Deep massage - which can hurt the next day but can remove knots and spasms. It is a slower, more forceful form.
  • Sports massage
  • Trigger point massage - this type of massage finds the exact points in the body that are triggering your pain.


If massage is going to become part of your health program, please check with your doctor about the pros and cons, especially if you are pregnant or have cancer or unexplained pain.


We hope you have enjoyed this health tip. We have many more to come over the months ahead.  Please continue to give us your feedback.  Now let’s look at wealth management ideas.



This concludes the 4th newsletter.  We will continue to delve further in-depth in subsequent issues.    
Thank you for joining and making this a new successful initiative by FJMC. Thanks for following us and the tips we give, 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 Dr. David Elfrig's Retirement Millionaire newsletter, Cleveland Clinic Men’s Health Advisor, Stansberry Research, Bogleheads guide to investing, and some personal considerations.


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

Federation of Jewish Men's Clubs
475 Riverside Drive, New York, New York 10115-0022
212-749-8100   www.fjmc.org