The document is Prism Capital Management's March 2014 investment newsletter. It contains three articles:
1) An overview of how rising interest rates may impact bond yields as the Federal Reserve tapers its bond purchasing program.
2) A list of five essential estate planning tasks everyone should complete, including updating beneficiary designations, designating legal guardians, drafting wills, powers of attorney, and naming an executor.
3) Tips for preparing taxes this year, including understanding qualified dividends, capital gains and losses, municipal bond income, and excluding interest from government securities.
The IRS expects that more than 70% of taxpayers will receive a refund in 2017. 1 What you do with a tax refund is up to you, but here are some ideas that may make your refund twice as valuable.
A special report that discusses what to do with your tax refund, specifically strategies to optimize the use of your income tax refund; saving for your future, improving your financial well-being, addressing risk management strategies, education savings, reducing non-deductible debt, RRSP or non-registered savings, contributing to a Tax-Free Savings Account (TFSA), building an emergency fund and receiving your tax fund earlier than expected.
As a result of RRSP contributions, interest expenses, tax shelter deductions or various other tax deductions and credits, your clients may be expecting, or have recently received, an income tax refund from the Canada Revenue Agency (CRA). If they have received a tax refund, it may be a good opportunity to determine if they can use some or all of it to improve their financial well-being. This special report will discuss some strategies that may help them use their income tax refund more wisely and assist them in meeting their financial goals.
The Fiscal Cliff and 10 Moves Every Investor Should Consider Making Now (...B...D.B. Geehan
Originally published Oct 2012 -- White Paper regarding moves every investor should consider making in the run-up to December 31, 2012 and the Fical Cliff.
The IRS expects that more than 70% of taxpayers will receive a refund in 2017. 1 What you do with a tax refund is up to you, but here are some ideas that may make your refund twice as valuable.
A special report that discusses what to do with your tax refund, specifically strategies to optimize the use of your income tax refund; saving for your future, improving your financial well-being, addressing risk management strategies, education savings, reducing non-deductible debt, RRSP or non-registered savings, contributing to a Tax-Free Savings Account (TFSA), building an emergency fund and receiving your tax fund earlier than expected.
As a result of RRSP contributions, interest expenses, tax shelter deductions or various other tax deductions and credits, your clients may be expecting, or have recently received, an income tax refund from the Canada Revenue Agency (CRA). If they have received a tax refund, it may be a good opportunity to determine if they can use some or all of it to improve their financial well-being. This special report will discuss some strategies that may help them use their income tax refund more wisely and assist them in meeting their financial goals.
The Fiscal Cliff and 10 Moves Every Investor Should Consider Making Now (...B...D.B. Geehan
Originally published Oct 2012 -- White Paper regarding moves every investor should consider making in the run-up to December 31, 2012 and the Fical Cliff.
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?
This Week's White Paper Wednesday Project is from Michael Weiner, CFA, Chief Investment Officer @ Unified Trust Company.
According to multiple surveys, somehow accumulating
enough assets to retire comfortably, given all other
demands on our savings, remains a top five concern of
Americans. This is a major reason why Cash Balance
plans are on the rise throughout the U.S. and why it
may be something to consider for your business both
from a tax efficiency (Buffet style) and a retirement
savings perspective.
In this edition of Return On Investment, we have included information on the following topics:
1. The Importance of Risk Control
2. Are You Nearing the Age of 71?
3. Pension Reform: The CPP is Set to Change
4. Transferring Wealth: Preparing Your Heirs
5. Unclaimed Balances: Are Funds Owed to You?
6. Year-End Tax Planning Considerations
http://ekinsurance.com/financial/what-are-annuities/
Annuities can be a great way to make your money work, but many people may not understand the risks, rewards, or the workings of their annuities.
It’s great that you’ve achieved so much, but it’s not so great when no one knows about it. Always keep a public diary of your achievements ready to share.
You will Learn:
The role of social media in recreation & leisure industry
How organizations use SMM to enhance their objectives
Common social media platforms
The fundamental 4 platforms
Real life role play of building out some social properties
I going to teach you a couple important skills that WILL help you land your dream job
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?
This Week's White Paper Wednesday Project is from Michael Weiner, CFA, Chief Investment Officer @ Unified Trust Company.
According to multiple surveys, somehow accumulating
enough assets to retire comfortably, given all other
demands on our savings, remains a top five concern of
Americans. This is a major reason why Cash Balance
plans are on the rise throughout the U.S. and why it
may be something to consider for your business both
from a tax efficiency (Buffet style) and a retirement
savings perspective.
In this edition of Return On Investment, we have included information on the following topics:
1. The Importance of Risk Control
2. Are You Nearing the Age of 71?
3. Pension Reform: The CPP is Set to Change
4. Transferring Wealth: Preparing Your Heirs
5. Unclaimed Balances: Are Funds Owed to You?
6. Year-End Tax Planning Considerations
http://ekinsurance.com/financial/what-are-annuities/
Annuities can be a great way to make your money work, but many people may not understand the risks, rewards, or the workings of their annuities.
It’s great that you’ve achieved so much, but it’s not so great when no one knows about it. Always keep a public diary of your achievements ready to share.
You will Learn:
The role of social media in recreation & leisure industry
How organizations use SMM to enhance their objectives
Common social media platforms
The fundamental 4 platforms
Real life role play of building out some social properties
I going to teach you a couple important skills that WILL help you land your dream job
SolPresent Solution Overview - Smarter Presentation Management and UseFrank Liggett
SolPresent by Assentis Technologies is a cloud-based Customer Communication Management Solution built for the insurance industry. SolPresent enables the automatic creation of Microsoft PowerPoint and PDF Presentations based on rules and variable content.
SolPresent can:
• Simplify and unify sales and marketing content and content management across the entire enterprise in a single cloud-based platform built for your industry.
• Enable centralized content control and intelligent re-use of content. Simplified maintenance of materials by utilizing shared content and content that automatically updates with the latest data from internal data sources. Multilingual and multichannel capabilities enabling consistency in messaging and branding across all communications.
Never ask for anything from a client without putting a WHY behind your ask. The simpler and more direct you are with your ask, the better off you’ll be.
Sample Powerpoint presentation for sales associatesDieter Drews
I created this presentation based on potential employers' need to feature company's products on a PK presentation. I also embedded a video clip at the end. This presentation was well received.
Almost every organization is concerned with the retention of one of their largest assets: Knowledge. So many of them struggle in the process of increasing the shared level of knowledge and still many of them have to conclude that people leave their organization leaving considerable knowledge gaps.
In this presentation we show you a proces for capturing and distribution of critical, experience driven knowledge; that knowledge that can only be obtained by doing the work. Our button-up approach has been successful in many organizations, leading to an efficient way of increasing the shared knowledge level. But maybe even more important: an increased awareness among employees towards their work and the quality aspects of it.
We are happy to see that our clients are still working according our process and are in fact increasing the number of knowledge domains they would like to be included in this learning method. The online learning environment that is offered to employees to facilitate their learning of this critical, experienced based knowledge is no being used by more than 10000 users.
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
For Those Who Want to Prosper & Thrive in Retirementfreddysaamy
http://ekinsurance.com/financial/retirement/
Our core capital should be designed to outlive us. In fact, it’s important for you to start thinking about your money in terms of it outliving you, not the other way around. You don’t want to outlive your money.
http://ekinsurance.com/financial/retirement/
If you are near retirement or have retired, listed below are several common mistakes that occur in the arena of financial planning for retirement that you can plan now to avoid.
From the Editor's Desk: 115th Father's day Celebration - When we see Father's day in Hindu context, Nanda Baba is the most vivid figure which comes to the mind. Nanda Baba who was the foster father of Lord Krishna is known to provide love, care and affection to Lord Krishna and Balarama along with his wife Yashoda; Letter’s to the Editor: Mother's Day - Mother is a precious life for their children. Mother is life breath for her children. Mother's lap is the world happiness whose debt can never be paid.
As a film director, I have always been awestruck by the magic of animation. Animation, a medium once considered solely for the amusement of children, has undergone a significant transformation over the years. Its evolution from a rudimentary form of entertainment to a sophisticated form of storytelling has stirred my creativity and expanded my vision, offering limitless possibilities in the realm of cinematic storytelling.
240529_Teleprotection Global Market Report 2024.pdfMadhura TBRC
The teleprotection market size has grown
exponentially in recent years. It will grow from
$21.92 billion in 2023 to $28.11 billion in 2024 at a
compound annual growth rate (CAGR) of 28.2%. The
teleprotection market size is expected to see
exponential growth in the next few years. It will grow
to $70.77 billion in 2028 at a compound annual
growth rate (CAGR) of 26.0%.
From Slave to Scourge: The Existential Choice of Django Unchained. The Philos...Rodney Thomas Jr
#SSAPhilosophy #DjangoUnchained #DjangoFreeman #ExistentialPhilosophy #Freedom #Identity #Justice #Courage #Rebellion #Transformation
Welcome to SSA Philosophy, your ultimate destination for diving deep into the profound philosophies of iconic characters from video games, movies, and TV shows. In this episode, we explore the powerful journey and existential philosophy of Django Freeman from Quentin Tarantino’s masterful film, "Django Unchained," in our video titled, "From Slave to Scourge: The Existential Choice of Django Unchained. The Philosophy of Django Freeman!"
From Slave to Scourge: The Existential Choice of Django Unchained – The Philosophy of Django Freeman!
Join me as we delve into the existential philosophy of Django Freeman, uncovering the profound lessons and timeless wisdom his character offers. Through his story, we find inspiration in the power of choice, the quest for justice, and the courage to defy oppression. Django Freeman’s philosophy is a testament to the human spirit’s unyielding drive for freedom and justice.
Don’t forget to like, comment, and subscribe to SSA Philosophy for more in-depth explorations of the philosophies behind your favorite characters. Hit the notification bell to stay updated on our latest videos. Let’s discover the principles that shape these icons and the profound lessons they offer.
Django Freeman’s story is one of the most compelling narratives of transformation and empowerment in cinema. A former slave turned relentless bounty hunter, Django’s journey is not just a physical liberation but an existential quest for identity, justice, and retribution. This video delves into the core philosophical elements that define Django’s character and the profound choices he makes throughout his journey.
Link to video: https://youtu.be/GszqrXk38qk
Young Tom Selleck: A Journey Through His Early Years and Rise to Stardomgreendigital
Introduction
When one thinks of Hollywood legends, Tom Selleck is a name that comes to mind. Known for his charming smile, rugged good looks. and the iconic mustache that has become synonymous with his persona. Tom Selleck has had a prolific career spanning decades. But, the journey of young Tom Selleck, from his early years to becoming a household name. is a story filled with determination, talent, and a touch of luck. This article delves into young Tom Selleck's life, background, early struggles. and pivotal moments that led to his rise in Hollywood.
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Early Life and Background
Family Roots and Childhood
Thomas William Selleck was born in Detroit, Michigan, on January 29, 1945. He was the second of four children in a close-knit family. His father, Robert Dean Selleck, was a real estate investor and executive. while his mother, Martha Selleck, was a homemaker. The Selleck family relocated to Sherman Oaks, California. when Tom was a child, setting the stage for his future in the entertainment industry.
Education and Early Interests
Growing up, young Tom Selleck was an active and athletic child. He attended Grant High School in Van Nuys, California. where he excelled in sports, particularly basketball. His tall and athletic build made him a standout player, and he earned a basketball scholarship to the University of Southern California (U.S.C.). While at U.S.C., Selleck studied business administration. but his interests shifted toward acting.
Discovery of Acting Passion
Tom Selleck's journey into acting was serendipitous. During his time at U.S.C., a drama coach encouraged him to try acting. This nudge led him to join the Hills Playhouse, where he began honing his craft. Transitioning from an aspiring athlete to an actor took time. but young Tom Selleck became drawn to the performance world.
Early Career Struggles
Breaking Into the Industry
The path to stardom was a challenging one for young Tom Selleck. Like many aspiring actors, he faced many rejections and struggled to find steady work. A series of minor roles and guest appearances on television shows marked his early career. In 1965, he debuted on the syndicated show "The Dating Game." which gave him some exposure but did not lead to immediate success.
The Commercial Breakthrough
During the late 1960s and early 1970s, Selleck began appearing in television commercials. His rugged good looks and charismatic presence made him a popular brand choice. He starred in advertisements for Pepsi-Cola, Revlon, and Close-Up toothpaste. These commercials provided financial stability and helped him gain visibility in the industry.
Struggling Actor in Hollywood
Despite his success in commercials. breaking into large acting roles remained a challenge for young Tom Selleck. He auditioned and took on small parts in T.V. shows and movies. Some of his early television appearances included roles in popular series like Lancer, The F.B.I., and Bracken's World. But, it would take a
Meet Dinah Mattingly – Larry Bird’s Partner in Life and Loveget joys
Get an intimate look at Dinah Mattingly’s life alongside NBA icon Larry Bird. From their humble beginnings to their life today, discover the love and partnership that have defined their relationship.
In the vast landscape of cinema, stories have been told, retold, and reimagined in countless ways. At the heart of this narrative evolution lies the concept of a "remake". A successful remake allows us to revisit cherished tales through a fresh lens, often reflecting a different era's perspective or harnessing the power of advanced technology. Yet, the question remains, what makes a remake successful? Today, we will delve deeper into this subject, identifying the key ingredients that contribute to the success of a remake.
Matt Rife Cancels Shows Due to Health Concerns, Reschedules Tour Dates.pdfAzura Everhart
Matt Rife's comedy tour took an unexpected turn. He had to cancel his Bloomington show due to a last-minute medical emergency. Fans in Chicago will also have to wait a bit longer for their laughs, as his shows there are postponed. Rife apologized and assured fans he'd be back on stage soon.
https://www.theurbancrews.com/celeb/matt-rife-cancels-bloomington-show/
Meet Crazyjamjam - A TikTok Sensation | Blog EternalBlog Eternal
Crazyjamjam, the TikTok star everyone's talking about! Uncover her secrets to success, viral trends, and more in this exclusive feature on Blog Eternal.
Source: https://blogeternal.com/celebrity/crazyjamjam-leaks/
Maximizing Your Streaming Experience with XCIPTV- Tips for 2024.pdfXtreame HDTV
In today’s digital age, streaming services have become an integral part of our entertainment lives. Among the myriad of options available, XCIPTV stands out as a premier choice for those seeking seamless, high-quality streaming. This comprehensive guide will delve into the features, benefits, and user experience of XCIPTV, illustrating why it is a top contender in the IPTV industry.
Tom Selleck Net Worth: A Comprehensive Analysisgreendigital
Over several decades, Tom Selleck, a name synonymous with charisma. From his iconic role as Thomas Magnum in the television series "Magnum, P.I." to his enduring presence in "Blue Bloods," Selleck has captivated audiences with his versatility and charm. As a result, "Tom Selleck net worth" has become a topic of great interest among fans. and financial enthusiasts alike. This article delves deep into Tom Selleck's wealth, exploring his career, assets, endorsements. and business ventures that contribute to his impressive economic standing.
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Early Life and Career Beginnings
The Foundation of Tom Selleck's Wealth
Born on January 29, 1945, in Detroit, Michigan, Tom Selleck grew up in Sherman Oaks, California. His journey towards building a large net worth began with humble origins. , Selleck pursued a business administration degree at the University of Southern California (USC) on a basketball scholarship. But, his interest shifted towards acting. leading him to study at the Hills Playhouse under Milton Katselas.
Minor roles in television and films marked Selleck's early career. He appeared in commercials and took on small parts in T.V. series such as "The Dating Game" and "Lancer." These initial steps, although modest. laid the groundwork for his future success and the growth of Tom Selleck net worth. Breakthrough with "Magnum, P.I."
The Role that Defined Tom Selleck's Career
Tom Selleck's breakthrough came with the role of Thomas Magnum in the CBS television series "Magnum, P.I." (1980-1988). This role made him a household name and boosted his net worth. The series' popularity resulted in Selleck earning large salaries. leading to financial stability and increased recognition in Hollywood.
"Magnum P.I." garnered high ratings and critical acclaim during its run. Selleck's portrayal of the charming and resourceful private investigator resonated with audiences. making him one of the most beloved television actors of the 1980s. The success of "Magnum P.I." played a pivotal role in shaping Tom Selleck net worth, establishing him as a major star.
Film Career and Diversification
Expanding Tom Selleck's Financial Portfolio
While "Magnum, P.I." was a cornerstone of Selleck's career, he did not limit himself to television. He ventured into films, further enhancing Tom Selleck net worth. His filmography includes notable movies such as "Three Men and a Baby" (1987). which became the highest-grossing film of the year, and its sequel, "Three Men and a Little Lady" (1990). These box office successes contributed to his wealth.
Selleck's versatility allowed him to transition between genres. from comedies like "Mr. Baseball" (1992) to westerns such as "Quigley Down Under" (1990). This diversification showcased his acting range. and provided many income streams, reinforcing Tom Selleck net worth.
Television Resurgence with "Blue Bloods"
Sustaining Wealth through Consistent Success
In 2010, Tom Selleck began starring as Frank Reagan i
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Scandal! Teasers June 2024 on etv Forum.co.zaIsaac More
Monday, 3 June 2024
Episode 47
A friend is compelled to expose a manipulative scheme to prevent another from making a grave mistake. In a frantic bid to save Jojo, Phakamile agrees to a meeting that unbeknownst to her, will seal her fate.
Tuesday, 4 June 2024
Episode 48
A mother, with her son's best interests at heart, finds him unready to heed her advice. Motshabi finds herself in an unmanageable situation, sinking fast like in quicksand.
Wednesday, 5 June 2024
Episode 49
A woman fabricates a diabolical lie to cover up an indiscretion. Overwhelmed by guilt, she makes a spontaneous confession that could be devastating to another heart.
Thursday, 6 June 2024
Episode 50
Linda unwittingly discloses damning information. Nhlamulo and Vuvu try to guide their friend towards the right decision.
Friday, 7 June 2024
Episode 51
Jojo's life continues to spiral out of control. Dintle weaves a web of lies to conceal that she is not as successful as everyone believes.
Monday, 10 June 2024
Episode 52
A heated confrontation between lovers leads to a devastating admission of guilt. Dintle's desperation takes a new turn, leaving her with dwindling options.
Tuesday, 11 June 2024
Episode 53
Unable to resort to violence, Taps issues a verbal threat, leaving Mdala unsettled. A sister must explain her life choices to regain her brother's trust.
Wednesday, 12 June 2024
Episode 54
Winnie makes a very troubling discovery. Taps follows through on his threat, leaving a woman reeling. Layla, oblivious to the truth, offers an incentive.
Thursday, 13 June 2024
Episode 55
A nosy relative arrives just in time to thwart a man's fatal decision. Dintle manipulates Khanyi to tug at Mo's heartstrings and get what she wants.
Friday, 14 June 2024
Episode 56
Tlhogi is shocked by Mdala's reaction following the revelation of their indiscretion. Jojo is in disbelief when the punishment for his crime is revealed.
Monday, 17 June 2024
Episode 57
A woman reprimands another to stay in her lane, leading to a damning revelation. A man decides to leave his broken life behind.
Tuesday, 18 June 2024
Episode 58
Nhlamulo learns that due to his actions, his worst fears have come true. Caiphus' extravagant promises to suppliers get him into trouble with Ndu.
Wednesday, 19 June 2024
Episode 59
A woman manages to kill two birds with one stone. Business doom looms over Chillax. A sobering incident makes a woman realize how far she's fallen.
Thursday, 20 June 2024
Episode 60
Taps' offer to help Nhlamulo comes with hidden motives. Caiphus' new ideas for Chillax have MaHilda excited. A blast from the past recognizes Dintle, not for her newfound fame.
Friday, 21 June 2024
Episode 61
Taps is hungry for revenge and finds a rope to hang Mdala with. Chillax's new job opportunity elicits mixed reactions from the public. Roommates' initial meeting starts off on the wrong foot.
Monday, 24 June 2024
Episode 62
Taps seizes new information and recruits someone on the inside. Mary's new job
Skeem Saam in June 2024 available on ForumIsaac More
Monday, June 3, 2024 - Episode 241: Sergeant Rathebe nabs a top scammer in Turfloop. Meikie is furious at her uncle's reaction to the truth about Ntswaki.
Tuesday, June 4, 2024 - Episode 242: Babeile uncovers the truth behind Rathebe’s latest actions. Leeto's announcement shocks his employees, and Ntswaki’s ordeal haunts her family.
Wednesday, June 5, 2024 - Episode 243: Rathebe blocks Babeile from investigating further. Melita warns Eunice to stay clear of Mr. Kgomo.
Thursday, June 6, 2024 - Episode 244: Tbose surrenders to the police while an intruder meddles in his affairs. Rathebe's secret mission faces a setback.
Friday, June 7, 2024 - Episode 245: Rathebe’s antics reach Kganyago. Tbose dodges a bullet, but a nightmare looms. Mr. Kgomo accuses Melita of witchcraft.
Monday, June 10, 2024 - Episode 246: Ntswaki struggles on her first day back at school. Babeile is stunned by Rathebe’s romance with Bullet Mabuza.
Tuesday, June 11, 2024 - Episode 247: An unexpected turn halts Rathebe’s investigation. The press discovers Mr. Kgomo’s affair with a young employee.
Wednesday, June 12, 2024 - Episode 248: Rathebe chases a criminal, resorting to gunfire. Turf High is rife with tension and transfer threats.
Thursday, June 13, 2024 - Episode 249: Rathebe traps Kganyago. John warns Toby to stop harassing Ntswaki.
Friday, June 14, 2024 - Episode 250: Babeile is cleared to investigate Rathebe. Melita gains Mr. Kgomo’s trust, and Jacobeth devises a financial solution.
Monday, June 17, 2024 - Episode 251: Rathebe feels the pressure as Babeile closes in. Mr. Kgomo and Eunice clash. Jacobeth risks her safety in pursuit of Kganyago.
Tuesday, June 18, 2024 - Episode 252: Bullet Mabuza retaliates against Jacobeth. Pitsi inadvertently reveals his parents’ plans. Nkosi is shocked by Khwezi’s decision on LJ’s future.
Wednesday, June 19, 2024 - Episode 253: Jacobeth is ensnared in deceit. Evelyn is stressed over Toby’s case, and Letetswe reveals shocking academic results.
Thursday, June 20, 2024 - Episode 254: Elizabeth learns Jacobeth is in Mpumalanga. Kganyago's past is exposed, and Lehasa discovers his son is in KZN.
Friday, June 21, 2024 - Episode 255: Elizabeth confirms Jacobeth’s dubious activities in Mpumalanga. Rathebe lies about her relationship with Bullet, and Jacobeth faces theft accusations.
Monday, June 24, 2024 - Episode 256: Rathebe spies on Kganyago. Lehasa plans to retrieve his son from KZN, fearing what awaits.
Tuesday, June 25, 2024 - Episode 257: MaNtuli fears for Kwaito’s safety in Mpumalanga. Mr. Kgomo and Melita reconcile.
Wednesday, June 26, 2024 - Episode 258: Kganyago makes a bold escape. Elizabeth receives a shocking message from Kwaito. Mrs. Khoza defends her husband against scam accusations.
Thursday, June 27, 2024 - Episode 259: Babeile's skillful arrest changes the game. Tbose and Kwaito face a hostage crisis.
Friday, June 28, 2024 - Episode 260: Two women face the reality of being scammed. Turf is rocked by breaking
Create a Seamless Viewing Experience with Your Own Custom OTT Player.pdfGenny Knight
As the popularity of online streaming continues to rise, the significance of providing outstanding viewing experiences cannot be emphasized enough. Tailored OTT players present a robust solution for service providers aiming to enhance their offerings and engage audiences in a competitive market. Through embracing customization, companies can craft immersive, individualized experiences that effectively hold viewers' attention, entertain them, and encourage repeat usage.
Create a Seamless Viewing Experience with Your Own Custom OTT Player.pdf
Fed Policy, Inflation, and Interest Rate Risk
1. March 2014 Vol. No. 1 Investment Updates
Advisor Corner
Please enjoy our March
newsletter. We invite your
feedback. Let us know what
topics you would like to read
about.
Fed Policy, Inflation, and Interest-
Rate Risk
With interest rates still relatively low, the question
today is by how much they are likely to rise.
Historically, the 10-year Treasury bond has yielded,
on average, about 2.5% over the inflation rate. With
inflation at 1.5%, the 10-year Treasury bond typically
would yield about 4.0%. In an attempt to support
economic and job growth, the Federal Reserve has
been purchasing long-term Treasury and mortgage-
backed bonds to artificially keep interest rates low. As
long as the Fed kept this asset purchase program up,
10-year Treasury yields remained relatively low.
However, the Fed has begun tapering, and interest
rates are likely to rise significantly in the near future.
Both investors and advisors should be aware of the
implications of rising interest rates.
Dieter Drews, J.D.
Founder/CEO
ddrews@prismadvisor.com
206-443-4321
www.prismadvisor.com
2. Prism Capital Management, LLC Investment Updates March 2014 2
Five Estate-Planning Tasks That You
Shouldn't Put Off
Keeping tabs on the estate-planning rules during the
past few years has been a little like watching Olympic-
level table tennis: The action moves quickly, and it's
difficult to keep up. However, no matter how laws and
rules change, there are a few basic tasks that are
actually pretty evergreen and that everyone should
execute. Five such estate-planning to-dos are outlined
below.
1) Update Beneficiary Designations. Even people who
have never set foot in an attorney's office may have
laid the groundwork for an estate plan if they filled out
beneficiary designation forms for their financial
accounts. Those designations, in fact, trump other
estate-planning documents when it comes to
distributing assets, so it's worthwhile to periodically
review them to make sure they're up-to-date with your
current situation—if you’ve gotten married or
divorced, for example. (How would your spouse feel if
you inadvertently left your 401(k) account to your
brother?) People who have drafted estate-planning
documents such as wills should ask their attorneys to
help them review beneficiary designations to ensure
that they sync up with other estate-planning
documents.
2) Designate Legal Guardians. Parents of young
children should designate legal guardians who will
look after their children if the parents should die or
otherwise be unable to care for their minor children. It
is important to focus the discussion on actual child-
rearing abilities and willingness to do the job. What is
not helpful is to get hung up on hurting anyone's
feelings or bypassing friends or family members who
might expect to be guardians but aren't the best
choice. Most importantly, a guardian should be willing
and able (emotionally and financially) to take care of
your children if the need arises, so an essential step is
to discuss the responsibilities with the potential
guardian beforehand.
3) Create a Living Will and Last Will and Testament.
A living will tells your health-care providers and your
loved ones how you would like to be cared for if you
should become terminally ill and unable to express
your wishes yourself. It is called a "medical directive"
in some states. This document details your views
toward life-support equipment. Not to be confused
with a living will, a last will and testament details how
you'd like your assets and possessions distributed after
your death.
4) Draft Powers of Attorney. A basic estate plan
should also address what would happen to your affairs
if you are still living but incapacitated. A power of
attorney is a document that specifies who will handle
your affairs if you are unable to do so. You'll need to
draft two separate documents: one that names your
power of attorney for health-care decisions and
another for financial matters (often called a durable
power of attorney). The person you entrust with your
power of attorney for health care will, ideally, live in
close geographic proximity to you. The person you
name on your durable power of attorney form should
be detail-oriented and comfortable with financial
matters.
5) Name an Executor. Your executor will gather all of
your assets after you're gone and make sure they are
distributed in accordance with your will. Ideally, your
executor will be someone who's comfortable with
numbers and good with details, and will also be able to
find the time to work on your estate. It's common to
name family members as executors, but in more
complicated situations it might be preferable to use a
professional, such as a bank trust officer, to serve as
your executor. It's a good idea to tell your executor
that you've named him or her, and also provide details
on how to obtain access to important documents, such
as your will and a master directory detailing all of your
accounts.
This information is for informational purposes only
and should not be considered as legal or financial
planning advice. Please consult a legal and/or
financial professional for advice specific to your
individual circumstances.
3. Prism Capital Management, LLC Investment Updates March 2014 3
Tips for Preparing Your Taxes
It's that time of year again. While many people cannot
say they enjoy preparing their income-tax returns,
you'll like it even less if you make mistakes and pay
more tax, penalties, and interest than you need to.
Here are some things to watch out for as you prepare
this year's return or ready your tax documents for your
accountant.
Qualified Dividends versus Nonqualified Dividends:
Nothing can be more frustrating than receiving a
corrected 1099 from your brokerage company. The
1099 is used to report various types of income other
than wages, salaries, and tips. If you receive one after
you had already filed your taxes, you might have to
amend your return.
The problem is that mutual fund companies are
required to submit tax information by the end of
January, and in some cases they might not have the
correct breakdown of qualified and nonqualified
dividends by then. Because the tax treatment of
qualified dividends might result in you paying less
income tax, a revised 1099 might be to your advantage
(although in many cases, only by a small amount). So
it might pay to wait a bit before filing your tax return
if you expect to receive a 1099.
Capital Gains and Losses: When you sell an
investment for less than you paid for it, you realize a
capital loss. The bright side is that capital losses can
help you save on taxes. You can use capital losses to
offset capital gains in your portfolio. You'll need to
know if your gains and losses are short term or long
term. If you held an investment a year or less, it will be
a short-term gain or loss. If you held an investment
longer than a year, it will be a long-term gain or loss.
In 2014, short-term capital gains are taxed at ordinary
income-tax rates from 10% to 39.6%. Long-term
capital gains, meanwhile, are taxed at lower,
preferential tax rates from 0% to 20%.
Municipal Bond Income: If you own municipal bonds,
interest income you receive is exempt from federal
income tax. That income may or may not be exempt
from state income tax. If the bonds are issued in your
state of residence, you usually won't have to pay state
and local taxes on the interest. You can find out for
sure by contacting your state or the brokerage
company at which you hold your securities.
Does that mean all money you receive from municipal
bonds isn't subject to taxes? Not necessarily. If you
own a municipal-bond fund that paid out capital
gains, that money is taxable on your federal and most
state returns. In addition, if you own municipals that
are classified as "private-activity" bonds, you may be
subject to the Alternative Minimum Tax. You may
want to consult an accountant about this type of bond.
To see if you have both interest income as well as
capital gains distributions, check the 1099 forms you
received.
Exclude Interest from U.S. Government Securities:
Don't forget to exclude the interest from government
securities on your state income tax return. You can
exclude all income from "direct" government securities
(for example, Treasuries). Some states also allow you
to exclude income from "indirect" securities (for
example, agency bonds like GNMA and FNMA
securities). To know for sure, contact your state or the
brokerage firm at which you hold your bonds.
Some mutual fund companies can be very good about
sending information on the percentage of your funds
that are invested in government securities. But there
have also been situations where the fund company will
only provide this information if you ask.
If you didn't obtain this type of breakdown when you
received your 1099 statements, visit your fund
company's website to find the information, or call the
fund's customer-service line.