Newsletter for May-June

Check out our latest newsletter here: http://www.ltmonline.com/jerrysiver
Helpful information on all these subjects:
Estate Planning:
Let’s Talk Estate Strategy Q&A
 • What tax-efficient strategies can individuals use to pass assets to adult children?
 • How can individuals let family members know where to access important documents in case of disability or death?
Protecting your child:
Mother’s Day and Father’s Day give us the opportunity to show Mom and Dad how much we appreciate them. But could moms and dads be doing more to protect their children? If you’re the parent of a minor child, you can help ensure your child’s future by naming a legal guardian and having sufficient life insurance.
General Interest:
A moving experience
 • Moving to a new home can be both physically and financially draining. We offer some tips to help make the move less stressful.
Lost and found
 • If a loved one dies and no life insurance policy is found, how can you determine if one exists? We list some strategies legal representatives can use to find the answer.
By the numbers: total annual college charges
How much does it cost to go to college? Here’s a look at some 2014 statistics from the   College Board.
 • The smart way to pay for college
Borrowing to pay for college is sometimes unavoidable. But a smarter and less expensive way to pay for your child`s education is to build a college fund through investing.
 • Thoroughly modern money
Technology has made managing finances a lot easier. There are now many options that can help you budget, deposit checks and pay bills more efficiently.
Insurance:
Good health = lower premiums
Looking for a way to lower your life insurance premiums? By making a few healthy lifestyle changes, such as losing weight, exercising and quitting smoking, you may be able to qualify for lower insurance rates.
Let’s Talk Insurance Q&A
• Should first-time homeowners buy life insurance?
• Why are life insurance premiums generally higher for men than for women?
Retirement Planning:
Get your retirement account in shape
Is your retirement account as healthy as you’d like it to be? To help you get your investments in shape, we list some common mistakes to avoid.
Let’s Talk Retirement Q&A
• How much do retirement plan contributions reduce an individual’s income taxes?

Seniors:
Let’s Talk Retirement Q&A
• What is the difference between an assisted living facility and a nursing home?
• Why is the term” activities of daily living” important to understand when searching for a long-term care facility?
When what you leave behind matters
May is Older Americans Month. It’s the time we celebrate the accomplishments of individuals ages 65 and older. As a member of that generation, what’s important to you? Is it leaving your loved ones a financial legacy? You may not be able to if you haven’t factored medical and long-term care expenses into your retirement strategy.
Small Business:
Let’s Talk Business Q&A
• Are individual retirement accounts still protected by federal bankruptcy laws?
• How can employers increase participation in their retirement plans?
Spring into May with a healthy outlook
If it’s been a while since you reviewed your finances, now would be a good time for a checkup. We discuss some items that can get both your business and personal finances on the right track.
Standard:
Is your investing strategy fiscally fit?
May is National Physical Fitness and Sports Month. You know exercise and a healthy lifestyle can help keep you physically fit. But what can you do to ensure you’re fiscally fit? A review of your investments can help you determine if your current investing strategy is still in line with your goals.
Let’s Talk Investments Q&A
 • What is a target date retirement fund’s glide path?
Womens:
Pamper yourself with a secure retirement
 • Mother’s Day is the day your children recognize you for all you do. But sometimes the things you do, such as taking time out of the work force to care for children or an elderly parent, can affect your ability to invest for retirement. By starting early, maxing out your contributions and opening a spousal IRA, you can help build a financially secure retirement.

DO NOT CALL

Have you registered your phone numbers on your state federal “Do not call” list but you still get sales calls offering lower interest loans, replacement windows….or whatever?

You can sue the offending caller if you’ve asked them to stop calling and they don’t, or you file your complaint with these organization who work on behalf of consumers:

https://www.ftccomplaintassistant.gov/#&panel1-1
https://esupport.fcc.gov/ccmsforms/form1088.action
https://complaints.donotcall.gov/complaint/complaintcheck.aspx?panel=2

By State DNC lists:
http://www.donotcallprotection.com/do_not_call_chart.shtml

FCC Abandoned Calls Complaint form:
http://www.fcc.gov/cgb/consumerfacts/1088D-R.pdf
email: fccinfo@fcc.gov

Office Closed For Juno

Massachusetts has mandated no driving today so we have no employees that can get to work. Our phone system does have instructions for making a claim if you have one today. If there is any other urgent need to contact us there is an option when you call our office to connect to a live person.

Every insurance policy contains a provision that allows you to make temporary repairs that are necessary to keep further damage from happening. You don’t need to contact the insurance company or us in advance in order to make those repairs. Just save any receipts and take photos of the damage if you can.

Office Hours

Our office will be closed Christmas Day and will be open on the 26th (Friday) from 10:00 am to 2:00 pm.

Anyone needing to report a claim can do so 24 hours a day, 365 days a year. Simply call the insurance company who issued your policy. Our website has links to all our insurance company partners.

If you have an emergency other than a claim, call our main telephone number and follow the prompts for emergency service.

Happy Holidays.