Issue #3 March 2016                                                                                                       
March Madness or
March Happiness?
 
As you probably know, March Madness is a term used to describe the NCAA College Basketball Tournament. It also makes me think of our current presidential race and you could even make an argument that our current stock market volatility should be called March Madness.
 
I'd prefer, at least this year, on calling this month March Happiness. Let's look at the positives; baseball spring training is here, the weather is beautiful (at least in Florida), St. Patrick's Day parties, compelling college basketball games on TV, an early Easter this year, and whatever else you find happy. For me, the biggest reason I want to call it March Happiness is that my daughter, Heather, is getting married on March 12th!
 
One of the greatest pleasures I have as your financial coach is that I get personal insight into your family life, which ultimately helps me gain clarity with my own family. That is why I am sharing my happiness with you.
 
Some of you may have spoken to Heather since she worked for me while in college on summer and winter breaks. She answered phones, helped with paperwork, and also helped me write my book, "It Wasn't on my Calendar". I was secretly hoping she would come to work for us after she graduated from college. I guess I did not make that great of an impression on her since she is now studying to be a Physician's Assistant.
 
So my little girl is getting married and that is just the circle of life. It is a bitter sweet moment, as I know the number of years for me on this earth is perhaps getting shorter.
 
So, please join me in choosing to focus on the happiness and not the madness this month.
 
William G. Cummings, CPA/PFS

March 2016
 
Commonly Observed Holidays
 Mar 13. Daylight Savings Time begins
Mar 17. St. Patrick's Day
Mar 23-24. Purim
March 25. Good Friday (markets closed)
March 25. CFO Closed for Good Friday
March 27. Easter
 
Financial Dates &Observances
Mar 1. FAFSA deadline closes in some states
Mar 15. 2015 S-Corp returns due (cal yr)
Mar 15. 2015 C-Corp returns due (calyr)
 
Business & Industry
Mar 4. Employee Appreciation Day
Mar 6. Dentists Day
Mar 6-12. Women in Construction Week
Mar 9. Registered Dietitian Day
Mar 13-19. Agriculture Week
Mar 19. Certified Nurses Day
Mar 26 Legal Assistants Day
Mar 29. Mom & Pop Business Owner Day
Mar 30. Doctors Day

Cause Observances
 American Red Cross Month
Credit Education Month
Music In Our Schools Month
Nutrition Month
Women's History Month  
Mar 6-12. Consumer Protection Week
 Mar 6-12. Girl Scout Week
Mar 10. Salvation Army Day
Mar 14-20. Wildlife Week
Mar 16. Kick Butts Day
Mar 22. World Water Day
Mar 22. American Diabetes Alert Day
 

Special Observances
Clean Up Your IRS Act Month Craft Month
Irish-American Heritage Month  
Mar 1. Refired, Not Retired Day
Mar 6. Oreo Cookie Day
Mar 14. Napping Day
Mar 15. Ides of March
Mar 15-Apr 4. March Madness
Mar 20. First Day of Spring
Mar 20-26. American Chocolate Week
Mar 31. Cesar Chavez Day


In This Edition
March Maddness or March Happiness?
March 2016, Key Dates
"IRS List of Tax Scams "
Bill's book "It wasn't on my calendar."
"IRS List of Tax Scams
to Watch Out For"
 

Like us on Facebook
Follow us on Twitter
View our profile on LinkedIn
Visit our blog
"It wasn't on my calendar. "
 

 


 Most people do not plan for a medical, mental or aging crisis for a parent-or themselves, and if such a crisis is not on your calendar, prepare now. None of us know what we don't know, and when a loved one's health and/or mind are failing, this is no time to have a crash-course in learning. 
 

  • Who do I turn to for advice? 
  • What kind of questions do I ask?
  • Do I plan a loved one's care for this immediate crisis-or make a plan that includes future needs as conditions worsen? 
  • How do I respond to the many needs: place to live (kinds of facilities), care (who provides and what kinds), costs (and how to pay them), and advisors (finding the right people to handle finances and elder planning).  
If you have more questions than answers, this first-hand guidebook, written by a CPA/ financial planner about his dad's situation, will provide answers. Now you will be able to deal with your own situation with more knowledge and focus.

 

 
The information provided in this newsletter is educational in nature and is not intended to be construed as, legal, tax or investment advice and does not necessarily represent the views of the presenting party. Specific federal and state laws relevant to a particular situation may affect the applicability, accuracy or completeness of this information. Material presented is believed to be from reliable sources, but its accuracy is not guaranteed. If additional information is needed, the reader is advised to seek professional services.
 
William Cummings is an Investment Advisor Representative with securities and investment advisory services offered through Transamerica Financial Advisors, Inc. (TFA) Member FINRA, SIPC, and Registered Investment Advisor. Concierge Financial Organization, Inc. and TFA are not affiliated. Neither TFA nor its representatives provide legal, tax nor accounting advice. Persons who provide such advice do so in a capacity other than as a registered representative of TFA.           

LD-056233 3/16