Issue #10 October, 2016                                                                                                       
October may make you think of cool weather, football games and pumpkins - or maybe ghosts and goblins and bumps in the night (and we're not talking about bumps in the markets - those aren't too scary, at least over the long term). With so many important areas of our lives now online, internet security can be a scary issue. But the tips below will help you safe guard your money - and personal information. Many of us are afraid of cleaning out our garages or closets. It's not easy to decide what to keep and what to give away. This article illuminates the behavioral biases that chain us to stuff we no longer need or use. (Some of these biases may also affect our financial decisions.) For our friends up North, don't let old man winter scare you when it comes to heating bills. Read about how to prep your home for the winter months. Finally, enjoy this list of top movies from master of suspense Alfred Hitchcock. But I don't recommend you watch them alone!

12 tips to keep your money safe from prying eyes-and phishing scams.

An economist uses a behavioral finance lens to organize her home-and beyond.

These simple home improvement steps will help you save money with ease.
Sir Alfred provides macabre entertainment with his 25 top films.
October 2016
   
Commonly Observed Holidays
Oct 2-4. Rosh Hashanah
Oct 11-12. Yom Kippur
Oct 10. Columbus Day (markets open)
Oct 10. Thanksgiving (CA)
Oct 31.Halloween
 
Financial Dates & Deadlines
Oct 1. Final deadline for self-employed & small businesses to establish SIMPLE IRA for 2016
Oct 17. 2015 Extended individual taxreturns due
Oct 17. Medicare open enrollment begins
Oct 17. Health care open enrollment begins
Oct 17. Last day to recharacterize
2015 Roth IRA conversion
Oct 17. Final deadline to fund SEP or
solo 401(k) for extended 2015

Cause Observances
AIDS Awareness Month
Breast Cancer Awareness Month
Bullying Prevention Month
Health Literacy Month
 
Oct 2-8. 4-H Week
Oct 9. Clergy Appreciation Day
 Oct 9-15. Fire Prevention Week
Oct 24. United Nations Day
  
Business & Industry
Pharmacists Month  
Oct 3-7. Customer Service Week
 Oct 6-12. Physicians Assistant Week
Oct 9-15. Emergency Nurses Week
Oct 13. Navy Birthday
Oct 16-22. Business Women's Week

Special Observances
Cyber Security Awareness Month
Financial Planning Month
Long-term Care Planning Month
Organize Your Medical Information Month
 
Oct 3. Techies Day
Oct 3-9. Great Books Week
Oct 3-9. Financial Planning Week
Oct 4. Taco Day
Oct 12. Take Your Parents to Lunch Day
Oct 17. Boss's Day
Oct 17-23. Estate Planning Awareness Week
Oct 17-21. Save for Retirement Week
Oct 19. Support Your Local
of Chamber of Commerce Day
Oct 23. Mother-in-Law Day
Oct 29. World Series starts (baseball)


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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