As the warm summer months approach, we at 3 Creeks Capital want to wish you a season filled with joy, relaxation, and memorable moments. Whether you're lounging by the pool, taking a trip to the beach, or enjoying a backyard barbecue, we hope your summer is fantastic!
To add a touch of flavor to your summer gatherings, here's a refreshing and delicious recipe for you to try:
Summer Berry Lemonade
Ingredients:
Instructions:
Enjoy your summer, savor the sunshine, and make beautiful memories with your loved ones. We can’t wait to hear stories of your summer adventures!
Happy summer from all of us at 3 Creeks!
The Social Security Fairness Act is being talked about again after it was brought up last month at a field committee hearing for the U.S. Senate’s Finance Subcommittee.
Senate Bill 597 is a bi-partisan bill. There’s also a U.S. House of Representatives version (H.R. 82).
This bill has a huge impact for Ohio public employees who paid into Social Security. The bill would repeal both the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) ensuring those who have earned Social Security will not receive a reduction.
A quick recap on WEP and GPO:
The WEP reduces a pension member’s social security benefit they are eligible for, if they receive a benefit from an employer that did not withhold Social Security taxes.
The GPO reduces Social Security benefits for spouses, widows, and widowers who also receive a government pension.
The argument being made for the repeal is if you’ve paid into Social Security, you’ve earned the benefits, regardless of if you’re an Ohio public employee. Another way the bi-partisan group is leveraging this is by referring to the workforce crisis happening in public service.
We are all aware of how slowly the government moves when it comes to bills like these. So far, a total of 59 Senators has signed the bill, along with 322 congressmen on the U.S. House version of the bill.
The Social Security Fairness Act started in 2023, and we suspect it could continue to be a long-drawn-out process. A repeal would be a major win for those of you who have earned enough credits to be eligible for Social Security.
Six months ago, we set out on a mission to create a site that provides clients and members of STRS Ohio, OPERS, and the Ohio Police and Fire Pension Fund with the most relevant pension and financial information. Our goal was to enhance the user experience with a cleaner, simpler design and a wealth of resources tailored to help members maximize their pension and employer benefits.
Explore our new Knowledge Library, packed with recent videos, e-guides, and blog posts, all designed to keep you informed and empowered. Whether you're seeking insights on financial planning, updates on pension policies, or tips on maximizing your benefits, you'll find it all here.
At our community’s heart lies the spirit of small businesses, each with its own unique story. This month, we are thrilled to spotlight our clients, John and Allison Chapman, the dynamic duo behind Igloo Letterpress.
A Legacy of Craftsmanship
Igloo Letterpress is no ordinary printing business. It is a second-generation treasure, carrying forward the rich tradition of hand printing. John and Allison have meticulously maintained the essence of this art, using an actual hand printing press to create custom products. From custom greeting and holiday cards to beautifully crafted journals and notepads, every piece they produce tells a story of dedication and craftsmanship.
Meet the Chapman's
John and Allison are not just business owners; they are proud parents and active community members. Their daughter attends Wellesley College, while their son is a student at Worthington High School. The Chapman's balance their family life with the demands of running a successful small business, exemplifying the resilience and commitment that define our local entrepreneurs.
Supporting Our Community
We encourage all our clients to support fellow community members like the Chapman's. By choosing Igloo Letterpress for your printing needs, you are not only getting high-quality custom products, but also contributing to the local economy and helping preserve a beautiful, traditional craft.
Visit Igloo Letterpress today and experience the charm and quality of hand-printed goods. Let's continue to support and celebrate the remarkable small businesses that make our community vibrant and unique.
Connect with Igloo Letterpress:
Website: Igloo Letterpress
Last quarter we highlighted Adam Grant’s book, “Think Again: The Power of Knowing What You Don’t Know.”
It was a good read, highlighting the importance of rethinking and unlearning in a rapidly changing world. The idea of having the ability to question and revise our beliefs is crucial for personal and professional growth.
The book is structured around three key areas: Individual rethinking, interpersonal rethinking, and collective thinking.
Here are the main points:
1. Individual rethinking:
Challenge Your Own Views: Grant emphasizes the importance of being open to changing your mind and not clinging to outdated beliefs. This involves recognizing the limits of your knowledge and being curious about what you don’t know.
Think like a Scientist: Adopt a mindset where you form hypotheses and seek out evidence to test them, rather than trying to confirm pre-existing beliefs.
2. Interpersonal Rethinking:
Persuade and be Persuaded: Engage in conversations with others to exchange ideas and perspectives. Approach disagreements with the goal of learning rather than winning.
Motivational Interviewing: Use techniques from motivational psychology to help others open up to change. This involves asking open-ended questions, listening, and encouraging self-reflections.
3. Collective Rethinking:
Cultivate a Learning Culture: Create environments, whether in workplaces or communities, that value continuous learning and improvement. Encourage feedback and celebrate flexibility and innovation.
Embrace Psychological Safety: Foster an atmosphere where people feel safe expressing their ideas and doubts without fear of retribution. This leads to more honest and productive discussions.
There were several engaging stories and research findings to illustrate his points, showing how rethinking can lead to better decisions, stronger relationships, and greater activity. He also provides practical strategies for individuals and organizations to cultivate the habit of rethinking in their daily lives.
For those of you wanting to read something different and interesting, put this book on your reading list!
"With groundbreaking advancements in longevity science and technology, this idea is becoming more than just a dream. We now have the tools, diet, lifestyle, and supplement regimens to reverse our biological clock." - Mark Hyman M.D. "6-Step Protocol to Stop Decline, Stay Young & Reverse Aging after 40+", 24 May 2024, https://drhyman.com/blogs/content/podcast-ep900
Mark Hyman M.D. is not endorsed by nor affiliated with Cetera Advisors LLC or it's affiliates
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