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Welcome to the latest edition of our newsletter! As always, if you have questions or suggestions, please contact us.
Cutest Pet Photo Contest Winners
Our first Cutest Pet Photo Contest was definitely a success with 15 entries! We are grateful for everyone who posted a picture, and all who voted! This was fun for us, too! Super congratulations to Oreo, and her owner, Jennifer Hayward on their first place win! Jennifer also received $50 in gift certificates at Petco!
Second place is earned by delightful Skipper, owned by Judy Jacobs! Honorable mention is for the cute pup, Samson, owned by Barb Culbertson!
Other entrants were from Christina Bartos, Brenda Walls, Tami Wooten, Carol Recher, Micaiah Sylvester, Diane Karlis, Kayla Troyer, Cody Bryson, Ann, and Marissa . Watch next year for a second contest!
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“My goal in life is to be as good a person as my dog already thinks I am” Author Unknown.
10 Ways to Keep your Phone Secure Your mobile activity may be putting your privacy at risk. By Kimberly Palmer
If you’re one of the 58 percent of Americans who own a smartphone, then you probably use it every day: in addition to making calls and sending texts, you might use it for directions, to post to social media, browse the
May—June 2016
“ The advice and personal service I provide builds a long lasting, trusting, and confident relationship.” ~Anita Ritter
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Internet and shop. It’s those last few activities that can put your privacy most at risk. Cyber experts say the rapid adoption of smartphones into daily life – especially for shopping, which requires the exchange of payment information – leaves many people vulnerable to financial attacks. A 2013 Norton report found that 1 in 3 smartphone users have experienced some form of cybercrime. Protecting yourself doesn't have to be expensive or time-consuming, but you should consider following these 10 steps: 1. When browsing, or especially shopping on your phone (or computer), always look for "https" in the url line instead of "http." That “s” indicates an added level of security, which should always appear before exchanging any private information, like credit card numbers, online. 2. Add a password to your phone. It might be a pain to type a password number into your phone each time you want to use it, but losing your phone without that protection could lead to a far greater headache. Given that Norton reports that 25 percent of smartphone users have had their phone lost or stolen, it's a smart move. 3. Use a "find your phone tool." Certain software and apps, including Find My iPhone (and Find My Phone for Android), make it easy to find your phone if you lose it and help anyone who finds it to connect with you. Some programs, like Norton Mobile Security, also offer the option of locking and wiping your phone remotely if necessary. 4. Don't allow automatic connections. Some smartphones are set up to automatically connect with available Wi-Fi networks and Bluetooth devices. Disabling this option will prevent your phone from connecting and transmitting data without you realizing it. 5. Treat email and social media requests from strangers suspiciously. Criminals might send friend requests to people they don't know to gather information about them. While most people will ignore or reject the request, a small portion will accept, and those are the people whom criminals target. For example, they can use a seemingly harmless post, like the victim's photos from a restaurant meal, to then call the victim, impersonate the restaurant and request a credit card number in order to process a refund for an alleged overcharge. 6. Be a savvy shopper. It's not wrong to shop from your phone, whether by browser or retailer app, but you should be extra careful with vendors you aren't
familiar with, especially if the store initiated contact through an email, text message or social media site. You can always run a Web search on the company first, or visit the Better Business Bureau to check for any complaints. 7. Check privacy settings on apps. Some apps request a lot of information from you, including your location and passwords or access to other apps or your text messages. If they don't need all of that information (and why would they?), then deny access. 8. Beware the package tracking scam. If you're ordering a lot of packages online, you might not be too surprised to receive an email from what looks like a major retailer about a package that it couldn't deliver. But take a closer look, and you might notice that the email isn't actually from the domain name of that retailer. It's a common scam, and typically works by getting the recipient to click on a fraudulent link that then collects personal information. Don't click on it. 9. Avoid fraudulent Wi-Fi networks. Call it the coffee shop problem: A fraudster sets up a Wi-Fi network that has a similar name to the coffee shop he's sitting in, but instead of simply providing free Wi-Fi, he's using the signal to collect information from the people around him who log onto the network. For example, a coffee shop user could use the shared Wi-Fi to log into his or her bank, and the fraudster could potentially access that banking information. 10. Use better passwords. Consumers often reuse the same passwords for multiple sites, which can leave them vulnerable to hacking if one site gets broken into. Some passwords, like ones based on your birthday or mother’s maiden name, are easy to figure out. Anyone with access to your Facebook account, for example, can easily piece together basic family information. There's no reason to stop leveraging your phone for convenience and productivity, but just be sure to apply a few street smarts first. http://money.usnews.com/money/personal-finance/articles/2015/01/13/10-ways-to-keep-your-phone-safe *********
Did you know there’s a Bucket List for Michigan? Check out this
website,of the 50 things which you should do , right here in Michigan! Enjoy your summer! https://www.thrillist.com/entertainment/detroit/the-michigan-bucket-list-things-you-have-to-do-in-michigan
Why a Sturgis office for Anita Ritter Financial???!!!
When you look at the photo above, you will perhaps start being excited about the plans for my new Sturgis office, but surely no one is as excited as I am. The second office of Anita Ritter Financial is a dream come true! With 13 years in the Financial Services Industry and five of those years building my business in my hometown of Sturgis, I am able to open a second office, this time in the new Moso Village. You’ve perhaps seen the new construction happening on John Street, where Moso Village is becoming a landmark multi-use building that will include restaurant, retail, office, and residential space AND my new office. Plans are for a June move-in, with a grand opening sometime shortly after. Now, the answer to WHY? My first office was in Schoolcraft, the first for my firm in that community. I liked being the first and I built great client relationships, became involved in the community, and loved my time there. When I made the decision to become an independent financial advisor in May 2011, I believed it made sense to open an office not too far from the Schoolcraft area so that my clients could easily get to me. That worked out well, and I have no intention of moving out of the 11th Street Commons in Kalamazoo. It has been my plan, however, since becoming an Independent Financial Advisor with Cambridge Investment Research, Inc., to open an office in Sturgis. Because I don’t want my clients in the Kalamazoo area to have to drive to Sturgis to meet with me, I am keeping office hours in Kalamazoo as well as in the new Sturgis office. Win/win for everyone! Looking forward to seeing new and old friends in Sturgis! Anita
Spring Vegetable and Quinoa Salad
with Bacon
Ingredients
2 ½ cups fresh asparagus, cut diagonally into 1-inch pieces
1/2 cup frozen green peas 3 center-cut bacon slices, chopped 3 tablespoons cider vinegar 1 tablespoon unsalted butter 2 teaspoons whole-grain Dijon mustard 1 3/4 cups Ginger-Coconut Quinoa 1 teaspoon black pepper 1/2 cup chopped fresh flat-leaf parsley 1 tablespoon chopped fresh tarragon 1 tablespoon fresh thyme leaves 5 ounces baby spinach 3 tablespoons sliced almonds, toasted
Preparation
1. Bring a large saucepan filled with water to a boil. Add asparagus and peas; boil 2 minutes. Drain. Plunge into a bowl of ice water; drain. 2. Cook bacon in a large skillet over medium-high heat 4 minutes, stirring occasionally. Remove bacon from pan with a slotted spoon; set aside. Add vinegar, butter, and Dijon mustard to drippings in pan, stirring with a whisk until butter melts. Add quinoa and pepper to pan; cook 1 minute. Place quinoa mixture in a medium bowl; add asparagus mixture, parsley, tarragon, thyme, and spinach, tossing to combine. Divide quinoa mixture among 4 plates; sprinkle evenly with reserved bacon and almonds. http://www.myrecipes.com/recipe/spring-vegetable-quinoa-salad-bacon
Nutritional Information
Yield: Serves 4 (serving size: about 1 cup)
Amount per serving: Calories 266 Fat 10.1g Satfat 2.9g Monofat 3.8g
Polyfat 2.1g Protein 13g Carbohydrate 33 g Fiber 7g Cholesterol 11 mg
Iron 6 mg Sodium 245 mg Calcium 115 mg Sugars 5 g
What’s on your horizon??
The time to start planning your financial future is today!
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Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Anita Ritter Financial and Cambridge are not affiliated.
ANITA RITTER FINANCIAL
Wealth Management With Commitment. Character, Compassion
2632 SOUTH 11TH STREET
KALAMAZOO, MICHIGAN 49009
PH: 269.492.9701 X 206
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Be sure to check out our new website! www.anitaritterfinancial.com
