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Bi-Monthly Newsletter |
September-October 2013 |
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Melissa J. Stein
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Greetings!
As October ends, we look forward to several important upcoming November events:
November 3 - Daylight Savings Time Ends
November 11 - Veterans Day
November 28 - Thanksgiving Day
and also Hanukkah begins
Enjoy your family and friends as you celebrate. Oh, and don't forget to turn your clocks back on Saturday night, November 2, before you go to bed.
Please read my "Client Alerts" Section of this newsletter for reminders about some financial deadlines heading our way in December.
I leave you with a quotation for your Thanksgiving Day: "Gratitude is the memory of the heart." (Jean Baptiste Massieu). I am grateful for you and our relationship. Contact my office for an appointment anytime you have questions or concerns.
Sincerely,
Melissa Stein |
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Keep in mind...
December 7, 2013, Ongoing Medicare Open Enrollment Ends: Click on www.medicare.gov for full information. (The official U.S. Government web site for Medicare)
December 31, 2013, tax deadlines: Additional 401(k) contributions must be made and capital gains/losses must be triggered. Charitable Contributions must be made.
December 31, 2013, RMDs: Required Minimum Distributions required by the end of 2013.
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 D is for Debt ...
Debt Capacity:
1. Assessment of the amount of debt an individual or firm can repay in a timely manner (from available means or resources) without jeopardizing its financial viability. 2. Total amount of debt a firm can incur, as restricted by the covenants of a loan agreement, or by the firm's articles of association (or articles of incorporation).
Debt Instrument:
Document that serves as a legally enforceable evidence of a debt and the promise of its timely repayment. Banker's acceptance, bills of exchange, bonds, certificates of deposit, debentures, and promissory notes. All are debt instruments.
Debt Service Reserve Fund:
Reserve established to service interest and principal payments on short- and long-term debt. Also called a debt service fund.
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All eyes on WashingtonCourtesy of Melissa Stein
Government shuts down. However unlikely this outcome may have seemed, the US government furloughed workers and partially stopped operating on 1 October. As the media counted down the hours to this date, Congress had negotiated in three key areas: ... Click here for the full article.
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#Hashtag ... What the #Heck is it?
Now that Twitter has taken a strong hold culturally and digitally, we hear about and see "hashtags" as in #UScongress or #gravity (the movie) or #BenAffleck. What exactly is a hashtag?... Click here for the full article. |
 Stein Wealth Advisors, LLC
4000 Washington Rd., Ste. 101
McMurray, PA 15317
Phone: 724.260.0491
Fax: 724.260.0674
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*The views are those of Melissa Stein and should not be construed as investment advice. All information is believed to be from reliable sources; however, we make no guarantee as to its completeness or accuracy.
**Please note that neither Cetera Advisors LLC, member FINRA/SIPC nor Stein Wealth Advisors, LLC. gives legal or tax advice. For complete details, please consult with your tax advisor or attorney.
***Securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC. Cetera is under separate ownership from any other named entity.
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