The document provides information on upcoming events and programs for military families in January 2012. It discusses preparing for a debt-free holiday season by saving money each month. It also provides information about tax season preparation including free tax assistance programs. Additionally, it promotes getting the annual flu vaccine to protect against influenza and outlines where vaccines can be obtained through military treatment facilities or pharmacies.
This document provides information about tax deductions and credits that may be available for the current tax season. It discusses deductions for home ownership such as mortgage interest and energy efficient upgrades. It also mentions deductions for college tuition and student loan interest. Additional tax breaks are outlined for medical expenses, capital losses, casualty losses, and educator expenses. The document encourages taxpayers to look into all potential deductions and credits to lower their tax burden. It also provides tips for avoiding identity theft when filing taxes and lists some unusual charitable donations that qualify for tax deductions.
Active Business Series - Estate Planning - September 2012nevillebeckhurst
Estate planning is important to minimize inheritance taxes and ensure your assets pass to intended beneficiaries. Key considerations include identifying beneficiaries, determining when and how to transfer assets, and using tools like trusts and life insurance. Professional advice is recommended when substantial assets or complex family situations are involved to properly structure transfers and take advantage of exemptions that can reduce taxes owed.
This document is a newsletter from Compass Financial Services that discusses putting words into context, family history, calling in life, and tax services. It provides updates on Compass evaluating tax service options to fit their fee-based approach. It also includes an IRS tax tip on record keeping requirements and statutes of limitations. Finally, it discusses two community events Compass held - an ice cream social and outing to Summerset Winery.
This document provides information about Trust Deed Scotland, a company that helps people in Scotland deal with problem debt through a government approved scheme called Trust Deeds. It explains that Trust Deeds allow individuals to reduce their total debt owed, pay back what they can afford over typically 36 months, keep their home and car, and have remaining eligible debts written off. It also answers frequently asked questions about Trust Deeds and alternatives available in Scotland.
The document discusses opportunities for lifetime gifts under the current $5 million gift and estate tax exemption. It recommends maximizing annual exclusion gifts and direct payments of tuition and medical expenses before making taxable gifts. For those with large estates, it suggests taking advantage of the $5 million exemption by making lifetime gifts this year and next to potentially remove substantial wealth from one's estate. Credit shelter trusts also remain beneficial despite the portability provision, as portability expires after 2012 and trusts can reduce estate taxes.
The document provides information about the history and business model of Fortune Hi-Tech Marketing, a network marketing company. Some key details:
- Founded in 2001 and led by an experienced management team focused on representative success.
- Offers representatives tools to improve health and increase wealth by becoming a middleman for products and services and sharing the business opportunity with others.
- Headquartered in Lexington, Kentucky and financially solid as a 100% debt-free company with an A rating from Dunn & Bradstreet.
Minimising Your Personal Tax Liability - November 2012nevillebeckhurst
Active practice updates its clients on personal tax planning strategies in November 2012. Some key strategies discussed include: (1) allocating income and savings between family members to maximize personal tax allowances; (2) investing in tax-free vehicles like ISAs and some National Savings products; and (3) considering tax implications when selling shares or rental properties. The document provides an overview of various tax allowances and incentives and encourages reaching out for a full review of available options to minimize personal tax liability.
Anderson Family Wealth Goal Achiever - InKnowVision Advanced Estate PlanningInKnowVision
Jeff is 75 and Theresa is 72. Jeff recently retired from an executive position in a public company. As a result of his retirement he exercised over $45M in stock options and has 5 more years of deferred compensation payments. Jeff has also sold his 50% interest in his Corporation and the note payments are providing significant income for the next 9 years.
Jeff and Theresa have annual living expense desires of $725,000, with the available income to more than meet this need. Jeff’s deferred compensation payments average more than $2M/yr. for the next 5 years; his annual pension payments are $660k/yr. (inflating); and he also has note payments totaling $360k/yr. for the next 9 years from the buyout of his Corporation interests. These sources of income are in addition to an investment portfolio that generates more than $1.7M/yr. in income and various oil/gas ventures that generate over $100k/yr. in income. With annual income totaling over $5M/yr. for the family, they have the luxury of accumulating a very significant cash flow surplus each year.
Learn more at www.inknowvision.com
This document provides information about tax deductions and credits that may be available for the current tax season. It discusses deductions for home ownership such as mortgage interest and energy efficient upgrades. It also mentions deductions for college tuition and student loan interest. Additional tax breaks are outlined for medical expenses, capital losses, casualty losses, and educator expenses. The document encourages taxpayers to look into all potential deductions and credits to lower their tax burden. It also provides tips for avoiding identity theft when filing taxes and lists some unusual charitable donations that qualify for tax deductions.
Active Business Series - Estate Planning - September 2012nevillebeckhurst
Estate planning is important to minimize inheritance taxes and ensure your assets pass to intended beneficiaries. Key considerations include identifying beneficiaries, determining when and how to transfer assets, and using tools like trusts and life insurance. Professional advice is recommended when substantial assets or complex family situations are involved to properly structure transfers and take advantage of exemptions that can reduce taxes owed.
This document is a newsletter from Compass Financial Services that discusses putting words into context, family history, calling in life, and tax services. It provides updates on Compass evaluating tax service options to fit their fee-based approach. It also includes an IRS tax tip on record keeping requirements and statutes of limitations. Finally, it discusses two community events Compass held - an ice cream social and outing to Summerset Winery.
This document provides information about Trust Deed Scotland, a company that helps people in Scotland deal with problem debt through a government approved scheme called Trust Deeds. It explains that Trust Deeds allow individuals to reduce their total debt owed, pay back what they can afford over typically 36 months, keep their home and car, and have remaining eligible debts written off. It also answers frequently asked questions about Trust Deeds and alternatives available in Scotland.
The document discusses opportunities for lifetime gifts under the current $5 million gift and estate tax exemption. It recommends maximizing annual exclusion gifts and direct payments of tuition and medical expenses before making taxable gifts. For those with large estates, it suggests taking advantage of the $5 million exemption by making lifetime gifts this year and next to potentially remove substantial wealth from one's estate. Credit shelter trusts also remain beneficial despite the portability provision, as portability expires after 2012 and trusts can reduce estate taxes.
The document provides information about the history and business model of Fortune Hi-Tech Marketing, a network marketing company. Some key details:
- Founded in 2001 and led by an experienced management team focused on representative success.
- Offers representatives tools to improve health and increase wealth by becoming a middleman for products and services and sharing the business opportunity with others.
- Headquartered in Lexington, Kentucky and financially solid as a 100% debt-free company with an A rating from Dunn & Bradstreet.
Minimising Your Personal Tax Liability - November 2012nevillebeckhurst
Active practice updates its clients on personal tax planning strategies in November 2012. Some key strategies discussed include: (1) allocating income and savings between family members to maximize personal tax allowances; (2) investing in tax-free vehicles like ISAs and some National Savings products; and (3) considering tax implications when selling shares or rental properties. The document provides an overview of various tax allowances and incentives and encourages reaching out for a full review of available options to minimize personal tax liability.
Anderson Family Wealth Goal Achiever - InKnowVision Advanced Estate PlanningInKnowVision
Jeff is 75 and Theresa is 72. Jeff recently retired from an executive position in a public company. As a result of his retirement he exercised over $45M in stock options and has 5 more years of deferred compensation payments. Jeff has also sold his 50% interest in his Corporation and the note payments are providing significant income for the next 9 years.
Jeff and Theresa have annual living expense desires of $725,000, with the available income to more than meet this need. Jeff’s deferred compensation payments average more than $2M/yr. for the next 5 years; his annual pension payments are $660k/yr. (inflating); and he also has note payments totaling $360k/yr. for the next 9 years from the buyout of his Corporation interests. These sources of income are in addition to an investment portfolio that generates more than $1.7M/yr. in income and various oil/gas ventures that generate over $100k/yr. in income. With annual income totaling over $5M/yr. for the family, they have the luxury of accumulating a very significant cash flow surplus each year.
Learn more at www.inknowvision.com
The document is a newsletter from LECMPA, an organization that provides job insurance to transportation workers. The summary is:
1) LECMPA introduced a new insurance policy and has seen strong membership growth. They were also recognized with several customer service awards.
2) The newsletter features a story about a member who was able to support his family after losing his job due to a work violation, thanks to his LECMPA insurance.
3) Financial reports show LECMPA has grown its assets and surplus over the past two years while maintaining a stable level of claims liabilities.
This document provides information and advice about boosting retirement savings through various tax-effective strategies. It discusses salary sacrificing to superannuation to reduce tax, making use of the government co-contribution, being aware of the concessional contributions cap, utilizing the spouse super contribution tax offset, claiming deductions for expenses, and prepaying deductible expenses before June 30. It also stresses the importance of starting to save for retirement early, provides tips for doing so, and advises checking that retirement savings are on track to be sufficient.
Bueller Family Wealth Goal Achiever - InKnowVision Advanced Estate PlanningInKnowVision
Advanced Planning For the Ultra High Net Worth.The recordings for this program can be found at http://tinyurl.com/6yojnrt.
Learn more at www.inknowvision.com
The Family Wealth Goal Achiever™ is a plan design book (like a blueprint) that explains in easy to understand text and graphics the planning ideas being recommended by the planning team. It solves for high net worth tax planning, advanced estate planning, business transition planning, asset protection planning.
This document is a newsletter from August 2005 from Compass Financial Services. It provides updates on recent events held for clients, including a trip to Summerset Winery and a ladies luncheon. It also previews upcoming planned events, such as a wine tasting and cooking classes. The newsletter aims to foster community and engagement among clients while promoting the services of Compass Financial.
Citi mortgage financial_application - blankjanicekoss
This document is a hardship assistance package from CitiMortgage requesting financial and property information from a borrower. It requests documentation like pay stubs, tax returns, and bank statements. It collects information on the borrower's intentions for the property, income, expenses, and reason for being behind on mortgage payments. The borrower must authorize CitiMortgage to obtain additional information and verify the accuracy of the provided details.
The document discusses an "Asset Income Plan" that allows homeowners and business owners to access the equity in their property to earn quarterly income payments without debt, interest payments, or loss of title to the property. It involves placing a charge on the property that is assigned to insurance companies to help them increase capital reserves as required by EU regulations. This allows the insurance companies to afford paying the property owners a quarterly income in return. The plan aims to benefit both property owners and insurance companies.
TORONTO – The Investment Funds Institute of Canada (IFIC) released a seminal report
– The Value of Advice: Report - which provides a clear, unbiased view of what advice means to
the financial well-being of Canadians and how it builds their confidence in their financial future.
- Partnerships do not pay income tax, rather income/expenses flow through to partners and are reported on their individual tax returns. Partnerships must file an informational Form 1065 tax return.
- When forming a partnership, individuals receive a partnership interest in exchange for assets or cash contributed. Gain may be recognized if liabilities assumed by other partners exceed the adjusted basis of property contributed.
- A partner's basis in their partnership interest is adjusted annually for their share of income/losses and distributions received from the partnership. Losses cannot reduce a partner's basis below zero.
"The American Taxpayer Relief Act of 2012 - A Result of the 'Fiscal Cliff,'...Dinsmore & Shohl LLP
The document summarizes key provisions of the American Taxpayer Relief Act of 2012 related to income tax. It discusses changes to individual income tax rates, capital gains rates, the alternative minimum tax exemption amounts, and other individual tax provisions. For businesses, it outlines changes to Section 179 expensing limits, bonus depreciation, and other deductions. The summary also notes some provisions that were not extended, such as the phase-out of certain itemized deductions.
Preparing for the Sunset - Unique Estate Planning Opportunities at the End of...Dinsmore & Shohl LLP
The document summarizes current estate planning techniques in light of changing tax laws and proposed changes. It discusses opportunities for married couples and single clients to make use of the large lifetime gift and estate tax exemptions. It also outlines proposals to limit valuation discounts, require minimum GRAT terms, limit GST exemption duration, and coordinate grantor trust income and transfer tax rules. The document is intended to help estate planning clients navigate the changing tax landscape.
Entergy Corporation's 2007 annual report summarizes the company's financial results and strategic initiatives for the year. The report discusses Entergy's plans to spin off its non-utility nuclear business and form a nuclear services joint venture. This transaction is aimed at unlocking the full value of the non-utility nuclear assets for shareholders. The report also highlights Entergy's focus on operational excellence, portfolio transformation strategies in its utility business, and regulatory recovery from hurricanes Katrina and Rita.
El documento describe varios milagros eucarísticos históricos en los que la hostia consagrada se transformó en carne y sangre humana, incluidos los milagros de Lanciano e Italia en el siglo VIII y Bolsena-Orvieto en Italia en 1263. También describe estudios científicos modernos que confirman que la sustancia es tejido muscular humano del tipo de sangre AB, igual que la Sábana Santa de Turín. El documento insta a la fe en la presencia real de Cristo en la Eucaristía
Farren Shanks has over 15 years of sales experience and a proven track record of growing key accounts and contracts. As Key Account Manager for Coca-Cola Refreshments, he successfully managed over $3.5 million in accounts and implemented marketing agreements and promotions. Prior to that, he held leadership roles such as Vice President for an independent sales company where he grew sales to $1.9 million. Shanks has a Master's degree in Management and a Bachelor's degree in Organizational Management.
This document provides an overview of the 2010 United Nations Conference on Trade and Development Trade and Development Report. It summarizes that while the global economic recovery remains fragile, developing countries are leading the recovery due to strong countercyclical policies. However, developed countries' recoveries are uneven, with the US recovering domestic demand faster than Germany and Japan which rely more on exports. The recovery in Europe remains weak, and a shift toward fiscal austerity there could risk a double-dip recession. Coordinated global efforts are still needed to rebalance demand and prevent a resurgence of imbalances.
Este documento presenta la información sobre CST GEOPCA, una empresa de consultoría y servicios técnicos en geología y petróleo. Describe la visión, misión, política, filosofía y servicios actuales de la empresa, incluyendo servicios geológicos, de perforación, rehabilitación de pozos, estudios ambientales, capacitación y más. El objetivo es desarrollar un plan de negocios para consolidar a la empresa como líder en América en estas áreas.
The document provides a summary of Milagros Casillas' qualifications and experience. It includes her objective to coordinate instructional technology programs. It then outlines her education background including degrees in information technology, business education, and secretarial science. The bulk of the document lists her work experience in roles such as graduation coordinator, graduate assistant, manager, substitute teacher, assistant director, and Spanish teacher. It also includes a list of skills, activities, awards and languages.
The weekly plan involves testing and setting up community groups on the Luminis/myESU platform. Two groups will be demoed - the Provost Leadership Council and a student group. Functionalities like blogs, documents, calendars etc. will be decided for each group. Research will be done on other communities and blog structure. A strategic plan will be developed with objectives, goals, milestones and timeline. Meetings will be held with representatives of the groups and progress will be tracked in an Excel log.
This document provides an introduction to social media. It discusses how social media can be used for professional purposes like job searching and networking. It defines social media and outlines some key statistics on its use. The bulk of the document discusses specific social media tools like LinkedIn, Facebook, Twitter, blogs and wikis and how they can be used to build professional connections, research companies and find job opportunities. It emphasizes using social media to showcase one's professional strengths and maintain a positive online presence.
Smart Money magazine is a fully personalised and branded consumer-driven personal financial planning client publication. Sent to key clients, professional intermediaries and prospects, every issue will enable your business to improve client communication, raise brand awareness, develop greater marketing efficiency, enhance client retention and increase sales - all of which are becoming increasingly important, particularly in the light of Treating Customers Fairly (TCF) and the Retail Distribution Review (RDR).
Goldmine Media has been publishing Smart Money magazine for over a decade and every issue features timely and accurate editorial combined with intelligent design. Whether you are a financial adviser, wealth manager, accountant or solicitor, every issue will provide you with the perfect marketing solution to engage more effectively with your business audiences.
The front cover of Smart Money magazine features your business logo and company name printed in your corporate colours and also includes your contact details and regulatory statement. At no additional cost you can change the title name to make every issue even more bespoke and relevant to your business.
Jeanne Dwyer's interview in "Plan Ahead, Get Ahead"jdwyer1
1) Jeanne Dwyer was unexpectedly downsized at age 62, forcing her to retire earlier than planned and figure out how to manage her retirement income.
2) Planning how retirement savings will last throughout retirement is important, as Dwyer discovered, but many people only focus on saving and do not plan their spending.
3) Social Security benefits can provide a significant portion of retirement income, and financial professionals can help determine the best age to begin receiving benefits to maximize payments. Delaying benefits past full retirement age can result in higher monthly payments.
1) The document provides tips for surviving the holidays financially, including maintaining financial safety by controlling debit/credit cards and personal information, as well as resources like the Command Financial Specialist and Navy-Marine Corps Relief Society for financial assistance.
2) It recommends networking strategically to find your next job, being purposeful, prepared, and maintaining professionalism on social media.
3) It describes programs like CREDO spiritual retreats, TS2 Troop Support for family services, and the iBreathe app and online video on federal taxes after military service to support military families.
Smart money november december_2013 issue_singles_perOliver Taylor
This document is a magazine that provides financial advice to help readers make more of their money. The main articles discuss:
1) Giving grandchildren pensions as gifts that provide tax benefits and set them up for retirement.
2) The importance of reviewing one's long-term pension investment strategy and considering different options like income drawdown to maximize funds for retirement.
3) Writing a will as a new year's resolution to ensure one's estate goes to loved ones and avoids unnecessary taxes.
The document is a newsletter from LECMPA, an organization that provides job insurance to transportation workers. The summary is:
1) LECMPA introduced a new insurance policy and has seen strong membership growth. They were also recognized with several customer service awards.
2) The newsletter features a story about a member who was able to support his family after losing his job due to a work violation, thanks to his LECMPA insurance.
3) Financial reports show LECMPA has grown its assets and surplus over the past two years while maintaining a stable level of claims liabilities.
This document provides information and advice about boosting retirement savings through various tax-effective strategies. It discusses salary sacrificing to superannuation to reduce tax, making use of the government co-contribution, being aware of the concessional contributions cap, utilizing the spouse super contribution tax offset, claiming deductions for expenses, and prepaying deductible expenses before June 30. It also stresses the importance of starting to save for retirement early, provides tips for doing so, and advises checking that retirement savings are on track to be sufficient.
Bueller Family Wealth Goal Achiever - InKnowVision Advanced Estate PlanningInKnowVision
Advanced Planning For the Ultra High Net Worth.The recordings for this program can be found at http://tinyurl.com/6yojnrt.
Learn more at www.inknowvision.com
The Family Wealth Goal Achiever™ is a plan design book (like a blueprint) that explains in easy to understand text and graphics the planning ideas being recommended by the planning team. It solves for high net worth tax planning, advanced estate planning, business transition planning, asset protection planning.
This document is a newsletter from August 2005 from Compass Financial Services. It provides updates on recent events held for clients, including a trip to Summerset Winery and a ladies luncheon. It also previews upcoming planned events, such as a wine tasting and cooking classes. The newsletter aims to foster community and engagement among clients while promoting the services of Compass Financial.
Citi mortgage financial_application - blankjanicekoss
This document is a hardship assistance package from CitiMortgage requesting financial and property information from a borrower. It requests documentation like pay stubs, tax returns, and bank statements. It collects information on the borrower's intentions for the property, income, expenses, and reason for being behind on mortgage payments. The borrower must authorize CitiMortgage to obtain additional information and verify the accuracy of the provided details.
The document discusses an "Asset Income Plan" that allows homeowners and business owners to access the equity in their property to earn quarterly income payments without debt, interest payments, or loss of title to the property. It involves placing a charge on the property that is assigned to insurance companies to help them increase capital reserves as required by EU regulations. This allows the insurance companies to afford paying the property owners a quarterly income in return. The plan aims to benefit both property owners and insurance companies.
TORONTO – The Investment Funds Institute of Canada (IFIC) released a seminal report
– The Value of Advice: Report - which provides a clear, unbiased view of what advice means to
the financial well-being of Canadians and how it builds their confidence in their financial future.
- Partnerships do not pay income tax, rather income/expenses flow through to partners and are reported on their individual tax returns. Partnerships must file an informational Form 1065 tax return.
- When forming a partnership, individuals receive a partnership interest in exchange for assets or cash contributed. Gain may be recognized if liabilities assumed by other partners exceed the adjusted basis of property contributed.
- A partner's basis in their partnership interest is adjusted annually for their share of income/losses and distributions received from the partnership. Losses cannot reduce a partner's basis below zero.
"The American Taxpayer Relief Act of 2012 - A Result of the 'Fiscal Cliff,'...Dinsmore & Shohl LLP
The document summarizes key provisions of the American Taxpayer Relief Act of 2012 related to income tax. It discusses changes to individual income tax rates, capital gains rates, the alternative minimum tax exemption amounts, and other individual tax provisions. For businesses, it outlines changes to Section 179 expensing limits, bonus depreciation, and other deductions. The summary also notes some provisions that were not extended, such as the phase-out of certain itemized deductions.
Preparing for the Sunset - Unique Estate Planning Opportunities at the End of...Dinsmore & Shohl LLP
The document summarizes current estate planning techniques in light of changing tax laws and proposed changes. It discusses opportunities for married couples and single clients to make use of the large lifetime gift and estate tax exemptions. It also outlines proposals to limit valuation discounts, require minimum GRAT terms, limit GST exemption duration, and coordinate grantor trust income and transfer tax rules. The document is intended to help estate planning clients navigate the changing tax landscape.
Entergy Corporation's 2007 annual report summarizes the company's financial results and strategic initiatives for the year. The report discusses Entergy's plans to spin off its non-utility nuclear business and form a nuclear services joint venture. This transaction is aimed at unlocking the full value of the non-utility nuclear assets for shareholders. The report also highlights Entergy's focus on operational excellence, portfolio transformation strategies in its utility business, and regulatory recovery from hurricanes Katrina and Rita.
El documento describe varios milagros eucarísticos históricos en los que la hostia consagrada se transformó en carne y sangre humana, incluidos los milagros de Lanciano e Italia en el siglo VIII y Bolsena-Orvieto en Italia en 1263. También describe estudios científicos modernos que confirman que la sustancia es tejido muscular humano del tipo de sangre AB, igual que la Sábana Santa de Turín. El documento insta a la fe en la presencia real de Cristo en la Eucaristía
Farren Shanks has over 15 years of sales experience and a proven track record of growing key accounts and contracts. As Key Account Manager for Coca-Cola Refreshments, he successfully managed over $3.5 million in accounts and implemented marketing agreements and promotions. Prior to that, he held leadership roles such as Vice President for an independent sales company where he grew sales to $1.9 million. Shanks has a Master's degree in Management and a Bachelor's degree in Organizational Management.
This document provides an overview of the 2010 United Nations Conference on Trade and Development Trade and Development Report. It summarizes that while the global economic recovery remains fragile, developing countries are leading the recovery due to strong countercyclical policies. However, developed countries' recoveries are uneven, with the US recovering domestic demand faster than Germany and Japan which rely more on exports. The recovery in Europe remains weak, and a shift toward fiscal austerity there could risk a double-dip recession. Coordinated global efforts are still needed to rebalance demand and prevent a resurgence of imbalances.
Este documento presenta la información sobre CST GEOPCA, una empresa de consultoría y servicios técnicos en geología y petróleo. Describe la visión, misión, política, filosofía y servicios actuales de la empresa, incluyendo servicios geológicos, de perforación, rehabilitación de pozos, estudios ambientales, capacitación y más. El objetivo es desarrollar un plan de negocios para consolidar a la empresa como líder en América en estas áreas.
The document provides a summary of Milagros Casillas' qualifications and experience. It includes her objective to coordinate instructional technology programs. It then outlines her education background including degrees in information technology, business education, and secretarial science. The bulk of the document lists her work experience in roles such as graduation coordinator, graduate assistant, manager, substitute teacher, assistant director, and Spanish teacher. It also includes a list of skills, activities, awards and languages.
The weekly plan involves testing and setting up community groups on the Luminis/myESU platform. Two groups will be demoed - the Provost Leadership Council and a student group. Functionalities like blogs, documents, calendars etc. will be decided for each group. Research will be done on other communities and blog structure. A strategic plan will be developed with objectives, goals, milestones and timeline. Meetings will be held with representatives of the groups and progress will be tracked in an Excel log.
This document provides an introduction to social media. It discusses how social media can be used for professional purposes like job searching and networking. It defines social media and outlines some key statistics on its use. The bulk of the document discusses specific social media tools like LinkedIn, Facebook, Twitter, blogs and wikis and how they can be used to build professional connections, research companies and find job opportunities. It emphasizes using social media to showcase one's professional strengths and maintain a positive online presence.
Smart Money magazine is a fully personalised and branded consumer-driven personal financial planning client publication. Sent to key clients, professional intermediaries and prospects, every issue will enable your business to improve client communication, raise brand awareness, develop greater marketing efficiency, enhance client retention and increase sales - all of which are becoming increasingly important, particularly in the light of Treating Customers Fairly (TCF) and the Retail Distribution Review (RDR).
Goldmine Media has been publishing Smart Money magazine for over a decade and every issue features timely and accurate editorial combined with intelligent design. Whether you are a financial adviser, wealth manager, accountant or solicitor, every issue will provide you with the perfect marketing solution to engage more effectively with your business audiences.
The front cover of Smart Money magazine features your business logo and company name printed in your corporate colours and also includes your contact details and regulatory statement. At no additional cost you can change the title name to make every issue even more bespoke and relevant to your business.
Jeanne Dwyer's interview in "Plan Ahead, Get Ahead"jdwyer1
1) Jeanne Dwyer was unexpectedly downsized at age 62, forcing her to retire earlier than planned and figure out how to manage her retirement income.
2) Planning how retirement savings will last throughout retirement is important, as Dwyer discovered, but many people only focus on saving and do not plan their spending.
3) Social Security benefits can provide a significant portion of retirement income, and financial professionals can help determine the best age to begin receiving benefits to maximize payments. Delaying benefits past full retirement age can result in higher monthly payments.
1) The document provides tips for surviving the holidays financially, including maintaining financial safety by controlling debit/credit cards and personal information, as well as resources like the Command Financial Specialist and Navy-Marine Corps Relief Society for financial assistance.
2) It recommends networking strategically to find your next job, being purposeful, prepared, and maintaining professionalism on social media.
3) It describes programs like CREDO spiritual retreats, TS2 Troop Support for family services, and the iBreathe app and online video on federal taxes after military service to support military families.
Smart money november december_2013 issue_singles_perOliver Taylor
This document is a magazine that provides financial advice to help readers make more of their money. The main articles discuss:
1) Giving grandchildren pensions as gifts that provide tax benefits and set them up for retirement.
2) The importance of reviewing one's long-term pension investment strategy and considering different options like income drawdown to maximize funds for retirement.
3) Writing a will as a new year's resolution to ensure one's estate goes to loved ones and avoids unnecessary taxes.
A Mid-Year Financial Review:
More Time to Plan
Understanding Mutual Fund
Expense Ratios
How Much Life Insurance is
Enough?
I started a business that lost
money this year. Do I have
NOL?
Dollars in your checking account are not the only way you can pay yourself through your business. Surely, we want them, but for every dollar put in to your pocket you need to earn 35 cents more to give to Uncle Sam. There are many things your business can "pay" for that you and your family already want and need. While you probably know your business can pay for cell phones, computers, golf outings and such; but did you know there are actually more than 51 ways you can pay yourself and your family!
This interactive workshop will help you be more savvy with every dollar your business brings in, so that your bottom line benefits your family first, before your Uncle (Sam).
This document discusses a strategy for parents to maximize both retirement savings and education savings for their children called "double-dipping". It involves making maximum RRSP contributions each year to receive tax savings, then using the tax refund to contribute to an RESP, taking advantage of government grants. Contributing to an RRSP allows tax deductions, while the RESP benefits from grants of up to 20% on the first $2,500 contributed annually. This strategy allows parents to save for both retirement and their children's education in a tax-efficient manner.
Carter Family Wealth Goal Achiever - InKnowVision Advanced Estate Planning InKnowVision
Jerry and Susan Carter are both 63. They own and operate a very profitable manufacturing business in a small town. Jerry and Susan spend about $650,000 a year, giving generously to family ($200,000/yr.) and their favorite charitable causes ($150,000/yr.). Although the business provides significant taxable income of over $5M a year, Jerry and Susan have been re-investing excess cash back into the business to keep it thriving through the latest recession. With assets totaling over $60M, a growing business and an income tax bill surpassing $2M/yr., their estate tax and income tax exposure is quickly increasing.
Learn more at www.inknowvision.com
The document provides information about aged care costs in Australia, including:
1) Home care packages and respite care can help people stay at home, but have associated costs that are assessed based on income and assets.
2) Residential aged care involves accommodation payments like RADs and DAPs to cover housing costs, as well as daily fees and means-tested care fees to cover living expenses and care.
3) Not being able to afford accommodation payments does not preclude entry to aged care facilities, as places are set aside for financially disadvantaged residents through government subsidies.
The document discusses simple estate planning that can be done without a lawyer. It explains that estate planning aims to pass assets to heirs quickly and completely after death. Various tax implications of different assets are reviewed. The document recommends using life insurance and segregated funds with named beneficiaries to avoid probate fees and pass assets to heirs tax-free within 10-14 days of death. Contact information is provided for any additional questions.
Smart money january february_2013_singlesOliver Taylor
This document provides a summary of key announcements from the UK Chancellor's Autumn Statement in 2012. Some of the key points include:
- Economic growth forecasts were modest at around 2% per year for the next 5 years.
- Most working-age benefits will rise by 1% for the next 3 years. Lifetime pension relief allowance will fall from £1.5m to £1.25m and the annual allowance will be cut from £50,000 to £40,000 from 2014/15.
- The basic state pension and child benefit will rise by small amounts over the next few years. Income tax allowances will also rise modestly.
- The corporation tax rate will
John Stokes provides a mid-year financial review with tips for taxpayers. He recommends reviewing finances, identifying needs, planning taxes, reviewing retirement savings and insurance. For life insurance needs, he outlines the "family needs approach" to estimate expenses families would face if the primary earner passed away and how much coverage would be required. Gold and silver can be held in a self-directed IRA if purchased from a trustee who can take physical possession.
This is a presentation for Blue Edge Financial Planning for a post on their Facebook page.
It is their Spring newsletter.
You can follow them on Facebook at:
http://www.facebook.com/blueedgefinancialplanning
This newsletter provides Navy dependents and families with information about various benefits and programs available to them, including:
1) Enrolling in the Defense Enrollment Eligibility Reporting System (DEERS) and obtaining military ID cards to access benefits.
2) Websites and resources for housing, education, insurance, and emergency preparedness.
3) Programs through Navy Knowledge Online, Morale Welfare and Recreation, and Fleet and Family Support Centers.
The newsletter aims to inform families of essential benefits and help them take advantage of support systems available to military dependents.
This document provides a beginner's guide to protecting one's future through various types of insurance policies. It discusses why protection is important, especially for those with dependents. The different types of policies covered include life assurance, income protection, critical illness coverage, and long term care insurance. For each type, it gives a brief overview of what the policy provides and who might benefit from it. The document stresses the importance of considering one's individual situation to determine the best options for protection. It concludes by offering to provide a comprehensive review and customized plan for the reader.
This document provides information about life insurance from Lincoln Investment Planning. It recommends that both spouses have life insurance of 10 times their annual income for protection. A quick worksheet is provided to estimate coverage needs. The document encourages contacting the financial advisors for a personalized analysis to ensure adequate protection for one's family.
InKnowVision October 2013 Case Study - Lewis FWGAInKnowVision
Duncan and Tina are both 65. They live a comfortable lifestyle, spending about $1,600,000 a year after taxes and gifting about $2,000,000 a year to their family foundation. With assets worth approximately $62M and annual income of over $7M, they currently pay just over $2M a year in income taxes and have an increasing estate tax and ongoing income tax exposure.
The primary planning goals are to:
-Make sure that they have sufficient funds to live on for the rest of their lives (approx. $1,600,000/yr. after taxes and gifts).
-Assure that Duncan's, Inc. does not have to be liquidated as a result of their death.
-Provide a successful transition of the business to their son, Jason, while ensuring an equal inheritance for their son, Jeremy. They would like to leave 50% of their estate to Jason & Jeremy and another 25% to their grandchildren and other family members.
-They wish to continue annual giving to their family foundation and ultimately leave 25% of their estate to the foundation at death.
-Make sure the company buy/sell agreement accurately reflects the wishes of the family owners in the most tax efficient manner possible.
-Eliminate or reduce estate taxes.
1) Making RRSP contributions provides tax savings that can be used to fund an RESP for children, allowing parents to save for retirement and education at the same time through a "double-dip" strategy.
2) The RESP is also eligible for government grants like the CES Grant worth 20% of the first $2,500 contributed annually.
3) Starting RRSP contributions now through a PAC plan allows savings to grow tax-deferred over the long run while freeing up tax refunds for RESP contributions.
The document provides information about gift planning options for leaving a legacy to support Orange Grove Center. It outlines various gift vehicles like bequests through wills, charitable gift annuities, pooled income funds, charitable remainder trusts, and charitable lead trusts. These options allow donors to make significant gifts while also providing current or future income and obtaining tax benefits. The gifts will help continue Orange Grove Center's mission of serving individuals with disabilities.
This document provides helpful tips for investors to understand their tax responsibilities regarding mutual fund investments. It explains that tax-deferred accounts like IRAs defer taxes until withdrawals, while regular taxable accounts require paying taxes on fund earnings each year. The document lists forms and documents investors will need come tax time, including year-end statements, Form 1099-DIV, and Form 1099-B, to determine taxes owed on distributions and capital gains or losses. It aims to simplify understanding tax rules and responsibilities for mutual fund investors.
Similar to Family Connection Newsletter January 2012 (20)
This document discusses the importance of educating youth, especially adolescents, about healthy relationships in order to prevent teen dating violence. It provides an example of how a high school student was helped by her friends after her boyfriend forced a kiss on her. The document encourages addressing healthy dating with pre-teens and teens to help instill actions that prevent teen dating violence.
Family Connection is a publication of the Fleet and Family Support Program. The Navy's Fleet and Family Support Program promotes the self-reliance and resilience of Sailors and their families. We provide information that can help you meet the unique challenges of the military lifestyle.
The Navy's Fleet and Family Support Program promotes the self-reliance and resilience of Sailors and their families. We provide information that can help you meet the unique challenges of the military lifestyle.
Make 2016 the year you start your own business. Join us the first Wednesday of each month at noon EST to learn what it takes. To register, go to https://myseco.militaryonesource.mil/Portal/Content/View/2791
The Navy's Fleet and Family Support Program promotes the self-reliance and resilience of Sailors and their families. We
provide information that can help you meet the unique challenges of the military lifestyle.
Fleet and Family Support Programs (FFSP) support individual and family readiness through a full array of programs and resources which help Navy families to be resilient, well-informed and adaptable to the Navy environment.
The Navy's Fleet and Family Support
Program promotes the self-reliance and resilience of Sailors and their families. We provide information that can help you meet the unique challenges of the military
lifestyle.
For transitioning Service members and their families in and around Yokosuka and Okinawa, there will be a Transition Summit and Hiring Fair on June 7-8 at U.S. Fleet Activities Yokosuka; and June 10-11 at MCB Camp Butler Okinawa. Day 1 will consist of a Networking Reception at 1700. Day 2 will consist of the actual summit and hiring fair from 0900 to 1700.
U.S. Fleet Activities Yokosuka June 7th, 1700 at Officer's Club - Day 1, and June 8th, 0900 to 1700 at Fleet Building.
MCB Camp Butler Okinawa June 10th, 1700 at Officer's Club - Day 1, and June 11th 0900 to 1700 at Community Center Building.
Family Connection is a publication of the Navy's Fleet and Family Support Program. The Fleet and Family Support
Program promotes the self-reliance and resilience of Sailors and their families. We provide information that can help you meet the unique challenges of the military lifestyle.
The MyCAA Scholarship provides up to $4,000 in tuition assistance for education that leads to portable careers for eligible military spouses. It is part of the Department of Defense Spouse Education and Career Opportunities program that offers counseling, tools and resources to support career exploration, education, training, employment readiness and career connections for military spouses. To qualify, one's spouse must be active duty in pay grades E1-E5, W1-W2 or O1-O2 and applicants must complete their coursework while their spouse is on active duty. The scholarship can be used for licenses, certificates, certifications or associate degrees in high-demand, high-growth fields.
This document provides a summary of the April 2015 issue of the Fleet and Family Support Program newsletter. The main topics covered are: April being Sexual Assault Awareness and Prevention Month; tips to avoid unexpected charges from free trials; resources for transitioning service members; tornado preparedness; an update on the Navy's Exceptional Family Member Program; and information on respite care services available to EFMP families.
The document discusses updating your information in the Navy Family Accountability and Assessment System (NFAAS) in case of a natural disaster or other event. It encourages logging into NFAAS to verify your information so that the Navy can account for Navy families affected by a catastrophic event. It also discusses National Nutrition Month and provides tips for healthy eating at the grocery store and when preparing meals at home. It encourages sticking to whole foods and limiting processed foods high in fat, sugar, and salt.
This document provides information about Military Saves Week activities from February 23-28 to encourage service members and their families to save money and achieve financial goals. It discusses events at over 500 installations to promote financial education. Taking the Military Saves pledge, attending savings-focused events, and sharing savings efforts with others are encouraged. The document also provides tips for saving, such as setting savings goals and using automatic savings plans. Financial counseling resources through Fleet and Family Support Centers are mentioned. Military Saves Week aims to motivate military families to save, reduce debt, and build wealth through financial education.
The Navy offers free tax preparation assistance through the Volunteer Income Tax Assistance (VITA) program. Trained volunteers help with filing tax returns and address issues specific to military members, such as combat zone tax benefits. Taxpayers should bring documentation like IDs, income statements, and last year's returns when visiting a VITA site. Both spouses must be present to file jointly electronically. The article also provides information on keeping pets safe in winter and entrepreneurship resources for service members.
The document discusses resources for maintaining healthy relationships and preventing domestic abuse. It provides tips for building safe, respectful and positive relationships including communicating respectfully, compromising, showing support, and spending quality time together. It also promotes the Fleet and Family Support Program for helping with relationship skills and challenges.
The document is a newsletter from the Navy's Fleet and Family Support Program. The main topics covered in the newsletter include:
1) September is Ombudsman Appreciation Month, and the newsletter encourages readers to thank their Command Ombudsman, who are volunteers that provide information and referrals to address questions and needs of military families.
2) September is also Navy Suicide Prevention Month, and the newsletter discusses the importance of checking in with sailors and loved ones daily to promote mental wellness.
3) The newsletter provides information on upcoming transition assistance workshops and courses, preparing for life after the military, and ensuring school children are fueled for learning with healthy packed lunches.
The document discusses safety tips for exercising in hot weather and preparing for extreme heat. It provides recommendations for staying hydrated before, during, and after workouts in hot conditions. It also advises starting with shorter workouts and building tolerance to heat over time. The document encourages taking precautions such as monitoring others, taking breaks indoors, and knowing the symptoms of heat-related illnesses. It also discusses an upcoming workshop on digital media for active-duty military at Syracuse University and the formation of a new coalition to support veterans' financial needs.
The document is a newsletter from the Navy's Fleet and Family Support Program providing information to help military families meet challenges of the military lifestyle. It discusses resources available through the Family Employment Readiness Program to help military spouses find employment when moving locations frequently. It provides details on programs like Spouse Education and Career Opportunities, the Military Spouse Employment Partnership, and Hiring Our Heroes that can assist spouses with career counseling, job searches, and networking. The newsletter also advertises upcoming webinars on federal employment and the summer reading program "Paws to Read" for children.
The Boys & Girls Clubs of America is announcing the locations for their 2014 Military Resiliency & Reintegration Summer Camps. The camps will be held at Camp Whitcomb/Mason in Hartland, WI from June 23-27 and at Camp Walter Johnson in Denton, NC from July 7-12. The camps are designed for military youth ages 6-14 and will provide curriculum-based programs to build resiliency and life skills through healthy activities and family communication. The camps are accredited by the American Camping Association for health, safety and quality.
President Ronald Reagan established the first Military Spouse Day in 1984 to recognize the commitment of military spouses to service members' readiness and well-being. The Department of Defense now declares the Friday before Mother's Day each year as Military Spouse Appreciation Day. Bases worldwide hold events throughout the day such as luncheons, workshops, and job fairs to honor military spouses for their sacrifices. Military Spouse Appreciation Day this year is Friday, May 9, and all are invited to recognize and thank military spouses.
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1. Family
JANUARY 2012
Contents connection
Influenza (Flu)
Vaccination Program
TRICARE Prime and TRICARE Prime
Remote Handbook
Make 2012 a
Children and Deployment
DEBT-FREE
Heroes’ Legacy Scholarships
Safeguard Your Military ID Card
HOLIDAY
Navy Housing Turns Up the HEAT Now that the 2011 holidays are over, it
is not too early to start preparing for the
2012 holiday season. Take a look at what
you spent last year and commit to making
this year’s holidays debt-free! If you spent
Family Connection is a publication of the Fleet
$1200 on gifts last year, immediately begin
and Family Support Program.
The Navy's Fleet and Family Support Program
putting $50 in the bank each payday. Tax Season Preparation
promotes the self-reliance and resiliency of Then, when it is time for holiday shopping,
It is time to start gathering receipts and paper-
Sailors and their families. We provide information your biggest chore will be to move your
that can help you meet the unique challenges of work in preparation for the tax season. Do you
the military lifestyle. money from savings to checking to pay
have questions about retirement plan payments,
If you have questions or comments, contact
the bill.
tax relief for Sailors serving in a combat zone or
Timothy McGough at timothy.mcgough@navy.mil.
For additional savings, add another $25- extension of deadlines? Resources are available.
Visit us online at:wilwi $50 a month to the savings plan to take
Volunteer Income Tax
advantage of 2012 after-Christmas sales.
Assistance (VITA) Program
Retailers usually discount wrapping paper,
Navy Volunteer Income Tax Assistance (VITA)
greeting cards, and decorations as much
centers around the world will be open for busi-
as 90%. Remember to make shopping
ness soon. On-site services are available to assist
lists, and stick to limits. If you have friends
The
Fleet & Family Support
or family who seem to have everything,
service members and their families with free
tax advice, tax preparation and return filing by
consider a gift of time or talent. Offer to
Center babysit, clean house or run errands. Share
IRS-trained volunteers. To find the nearest VITA
center, visit Navy JAG Corps.
a skill such as carpentry services, home
remodeling or painting. Last, but certainly Internal Revenue Service (IRS)
not least, consider sharing time with For additional tax questions and/or combat
those who may be confined to a hospital, zone information, call 1-800-829-1040 or go to
Scan QR Code
nursing home or the local Veterans Ad- IRS.gov.
to access via ministration Medical Center during the
mobile device
holidays and who do not have family close
by to share the joy of the season.
“Be always at war with your vices, at peace
with your neighbors, and let each New Year
find you a better man.”
— Benjamin Franklin
2. JANUARY 2012
Influenza (Flu)
Vaccination TRICARE
Program Prime and
It is that time of year — flu season! While Navy personnel are required to be vaccinated TRICARE
annually for influenza, the vaccine is also available to family members. Influenza, com- Prime Remote
monly referred to simply as the “flu,” is a highly contagious viral infection of the respiratory
tract. Symptoms can include fever, cough, sore throat, runny or stuffy nose, headache,
Handbook
muscle aches and extreme fatigue. Most people recover in one to two weeks, but some The newly combined TRI-
people may develop life-threatening complications from the infection. The most effective CARE Prime and TRICARE
protection against the influenza virus is an annual flu vaccination. Prime Remote Handbook
What is the flu vaccine? Reduce your risk of getting the flu by: is an 88-page guide that
The flu vaccine currently comes in two N Getting your vaccination provides an overview of the
forms: N Covering your mouth and nose when TRICARE Prime and TRICARE
N a flu shot you cough or sneeze Prime Remote program
N a nasal spray options. The handbook
N Practicing good hygiene and hand
discusses regional contrac-
The flu shot is made up of inactivated washing
tors, DEERS, providers,
influenza viruses that have been broken N Staying at home and away from others enrollment, disenrollment
down into pieces and purified. Vaccina- if you are sick and more. Stateside and
tion involves an injection directly into overseas contact informa-
The flu vaccine may be obtained at no
the muscle of the arm. The nasal spray tion is also included.
cost from any military treatment facility
contains live but weakened influenza vi- Download your copy!
(MTF) or at a participating TRICARE retail
rus. Anyone who wants to reduce the risk
network pharmacy.
of getting the flu should be vaccinated,
especially those in confined living and
working conditions, which can acceler-
ate the spread of the disease.
TRICARE Prime
®
TRICARE Prime and
Remote
Navy Family Accountability Handbook
Your guide to progr
and Assessment System (NFAAS)
am benefits
NFAAS allows Navy personnel to manage the recovery
process for personnel affected by a widespread catastrophic
event. It is also helpful in providing commands with information to support IA family
members while their sponsors are deployed overseas.
Log on to NFAAS at https://www.navyfamily.navy.mil.
2
3. JANUARY 2012
Children and Deployment
Anytime a parent deploys, it is hard for the whole family.
Sesame Street and The Electric Company unveiled a new
collection of resources for military families. These innovative
materials, produced by Sesame Workshop, are designed
to help elementary school-aged children and families stay
connected and communicate during times of tremen-
dous change and uncertainty. Resources are available for
grown-ups, too. Sign up for Sesame Street Digital or go to
The Electric Company parent site. It is free and easy!
N FamiliesNearAndFar.org — a free bilingual website de-
signed for military families
N Feel Electric! — a free mobile app, available on the App Safeguard Your Military ID Card
Store, that encourages children to explore and express
Incidents have been reported recently of commercial estab-
their emotions
lishments photocopying military identification cards and
N The Electric Company Magazine Special Edition for Military common access cards (CAC) to verify military affiliation or
Families provide government rates for service.
N The Electric Company Extended Learning Program —
Family members and military personnel are reminded that
afterschool tools for educators, filled with literacy and
photocopying U.S. Government identification is prohibited.
math-based lesson plans, games, activities and tips.
While commercial establishments are allowed to ask for mili-
Heroes’ Legacy Scholarships tary/government identification, many government personnel
and commercial establishments are unaware of the prohibi-
The Heroes’ Legacy Scholarships program honors not only tion on photocopying of government identification.
those who have fallen in battle, but all who have died or have Criminal elements and terrorist organizations place U.S.
become disabled through their active military service since government identifications at a premium when planning
September 11, 2001. The program is open to dependent un- acts against the U.S. military. Unfortunately, there are no safe-
married children of fallen and wounded warriors under age guards in place to ensure a government identification card
23. A disability is defined as one that results in the service won’t be counterfeited or “cloned” based on a photocopy
member being eligible for, and receiving, Traumatic Service by a commercial establishment. It is recommended that
members’ Group Life Insurance (TSGLI) or a permanent and family members, military, and DoD personnel provide a state
total disability compensation rating of 100%. For more infor- drivers license or other form of photo identification to be
mation on how to apply visit Fisher House Foundation. photocopied.
Note that this prohibition does not apply to medical
establishments (e.g., doctor’s office, hospital). Medical
establishments are allowed to photocopy your military/
government identification for the purpose of filing insurance
claims. Other government agencies in the performance of
official government business are also allowed to photocopy
your military/government identification.
3
4. JANUARY 2012
Navy Housing Turns Up the HEAT
HEAT stands for the Housing Early Application Tool. Navy Housing
has developed HEAT to assist Sailors and their families in applying
for housing Navy wide. HEAT allows Sailors and their families to
apply for housing at one or more locations before or after they
receive their PCS orders. Spouses can use the application as well,
needing only minimal information about their Sailor.
You can use HEAT even if you don’t have PCS orders. You or
your spouse may use HEAT at any time to request information about housing or to check on your eligibility for Navy or
privatized housing. HEAT allows you to start the housing application process and communication with the HSC early in
your search for housing. It does NOT place you on the housing waiting list earlier or in a higher spot. To learn more, go to
CNIC Navy Housing.
Moving Expenses
Did you have moving expenses during
the past year? Remember to ask at the
Navy Volunteer Income Tax Assistance
(VITA) Centers about what expenses
may be tax deductible. If there is no
VITA Center in your area, go to Irs.gov
for more information.
U.S. Navy Individual
Augmentees Returning Warrior
Like us on Facebook. Workshops (RWW)
Returning Warrior Workshop Schedule & IA Family
Events — www.ia.navy.mil. Click “Links and Resources.”
4