August 2015 Newsletter

James Carroll, CPA L.L.C.
Planning Your Financial Future August 2015
Where has the Summer gone? August is almost here, and that means back to

school shopping. For those that live in MD, the second Sunday of August to the following

Saturday is designated as Shop Maryland tax-free Week each year. That means qualifying

apparel and footwear $100 or less, per item, are exempt from the state sales tax.

Accessory items are not included. The Shop Maryland Tax-Free Week for 2015 is Sunday,

August 9Saturday, August 15.

Financial Mistakes People Make at Different Ages
There’s a saying that with age comes wisdom, but this may not

always be true in the financial world. As people move through

different life stages, there are new opportunities–and potential

pitfalls–around every corner.

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Five Ways to Manage Risk in Your Retirement Savings Plan
Your employer-sponsored retirement savings plan is a convenient

way to help you accumulate money for retirement. But choosing to

participate is just one important step. Another key to making it work

for you is managing risk in your portfolio.

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The Cost of Credit
Sometimes you need to borrow money, especially to pay for a large

purchase such as a home or a car. It’s easy to focus on your monthly

loan payment, but to appreciate how much borrowing money might

really cost, you also need to consider the amount of interest you’ll

pay over time.

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What return are you really earning on your money?
To translate a given rate of return into actual income or growth

potential, you’ll need to understand the difference between

nominal return and real return.

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What is asset allocation?
Balancing how much of each asset class should be included in

your portfolio is a critical task. That balance between growth,

income, and safety is called your asset allocation.

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Refer a friend
Any federal tax advice in this communication (including any attachments, enclosures, or

other accompanying materials) was not intended or written to be used, and it cannot be

used, by any taxpayer for the purposes of avoiding penalties; furthermore, this

communication was not intended or written to support the promotion or marketing of any

of the transactions or matters it addresses.

Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2015.

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