Issue #9 September, 2016                                                                                                       
As young people head back to the classroom, teachers everywhere will be encouraging them to "pay attention!" (I'm sure some of us heard that phrase more often than others.) But for those of us who are not going back to school, there is a time when NOT paying attention may pay off, and that's when it comes to our 401(k) statements. Although it tends to go against our nature, sometimes not doing anything is the better decision as the first link below shows. The second link shows how much we save can make a big difference, and the chart is a powerful reminder of how delaying saving for the future can cause you to miss out on a robust retirement. The third link is for those of us who love to learn or are curious about how things work, you will enjoy these websites that can help satisfy your curiosity. Be sure to share the last link an infographic with tips for a productive and healthy school year.
 
Sometimes the best thing to do is ignore the financial markets. Instead of chasing returns and fretting over your statements, tune out the "noise" and you'll be on the road to a more Zen-like investing experience.

This illustrative chart succinctly shows how investing even as little as $100 a month when you're young can compound to a significant sum over time. This is a compelling message to share with kids or grandkids.


Ever wondered exactly how a dam works? Or how many moons Jupiter has? If you have an acute thirst for knowledge but not a lot of time, these clever websites will both inform and entertain you, no classroom required.


It's a busy time of year for kids and parents, but one way to make it more successful is to embrace healthy habits. This infographic provides reminders on how to stay healthy and promote clear communication between kids, parents and teachers.


September 2016
   
Commonly Observed Holidays
 Sep 5. Labor Day (markets closed)
   Sep 5. Labour Day (Canada)
 
Financial Dates & Deadlines
Sep 15. 3Q 2016 estimated taxes due
Sep 15. 2015 Extended partnership returns due
Sep 15. 2015 Extended S-corp returns due
Sep 15. Extended 2015 C-corp returns due
Sep 30. 2015 Extended trust & estate returnsdue
Sep 30. Last day to determine beneficiaries
after IRA owner's death

Business & Industry
Sep 18. Air Force Birthday
Sep 20. IT Professionals Day
Sep 29. VFW Day

Cause Observances
Baby Safety Month
Childhood Cancer Awareness Month
Hispanic Heritage Month (Sep 15-Oct15)
 Prostrate Cancer Awareness Month
 September Is Healthy Aging Month

Sep 7. Attention Deficit Disorder AwarenessDay
Sep 11-17. Assisted Living Week
Sep 11. Patriot Day
Sep 17. Constitution/Citizenship Day
Sep 27. Family Health & Fitness Day

Special Observances College Savings Month
Happy Cat Month Intergeneration Month
Self Improvement Month
 
Sep 10-11. U.S. Open Finals (tennis)
S ep 11. Grandparents Day
Sep 12-17. Line Dance Week
Sep 16. Stepfamily Day
Sep 18. Cheeseburger Day
Sep 19. Talk Like a Pirate Day
Sep 20-26. Dog Week
Sep 22. Ice Cream Cone Day
Sep 24. Museum Day
Sep 28. Drink Beer Day

In This Edition
Valuable Links
August 2016, Key Dates
Bill's book "It wasn't on my calendar."

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"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.

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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.
 
Registered Representative and Investment Adviser Representative of and securities offered through Signator Investors, Inc. Member FINRA, SIPC, and an SEC Registered Investment Adviser
         
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