October 2013 Newsletter

November 10th, 2013

Planning Your Financial Future October 2013
As we head into the last quarter of 2013, time to weatherproof your houses. Replace old
caulking, check the foundation for small cracks, and don’t forget to make sure your dryer
vents are unclogged. The lint is very flammable, and the heat from the dryer can create a
spark.
Plan Now for a Year-End Investment Review
This year, you know for sure how income, capital gains, and qualifying
dividends will be taxed. That gives you an opportunity to fine-tune your
long-term financial planning, or to develop a plan if you’ve postponed
doing so.
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Show Them the Love: Low-Cost, High-Value Employee Benefits
Recruiting and retaining top talent often requires going beyond the
basic employee benefit programs. By offering creative, low-cost
benefits, you can differentiate your business from other potential
employers.
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Estate Planning and Income Tax Basis
Income tax basis can be important when deciding whether to make
gifts now or transfer property at your death.
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Will interest rates rise this year?
Why are interest rates rising even though the Federal Reserve’s target
rate hasn’t? Because bond investors are concerned that higher interest
rates in the future will hurt the value of bonds that pay today’s
lower rates.
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Graph: Interest Rates 1981-2012
Graph showing federal funds effective rate (the average rate at which
banks lend to one another overnight) from 1981 to 2012.
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Categories: News
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