4408 Timber Commons Dr. 2 7 5 8 4 Competitor Mailings Sandusky, OH 44870 1 8 7 2 5 As a thank you for sending in their competitor 5077 Waterford Dr., Suite 306 mailings, the following people will be receiving Sheffield Village, OH 44035 Starbucks gift cards: 1 3 9 4 Mr. & Mrs. Dale Patterson (Sandusky) 3 4 6 8 Mr. & Mrs. Ron Gerold (Sandusky) 7 8 9 Mr. & Mrs. Bob Finneran (Castalia) Mr. & Mrs. Don Gysan (Sandusky) 8 1 7 Mr. & Mrs. Howard Holliday (Sandusky) 8 Mr. & Mrs. Tom Tomlin (Avon) Mr. & Mrs. Al Szabo (Lorain) 5 3 9 Mr. & Mrs. William Troxtell (Amherst) Remember, if you are receiving seminar Sudoku Puzzle for October invitations, newsletters, or other mailings from Home of the . financial advisors, we ask for you to send them $89.95 CPA in to us for review. Prepared Tax Return Thanks in advance for your help. Ability is poor man’s wealth. October 1, 1890, Yosemite National Park ~ M. Wren. was established. NEWSLETTER October, 2009 Absence from those we love is self from October 7, 1931, the first infrared self – a deadly banishment. photograph was taken. ~ Shakespeare October 11, 1864, slavery was abolished . Inside this month’s issue: Early to bed, early to rise. Makes a man in Maryland. Updated information on the Referral of the Month Club. healthy, wealthy and wise. ~ Franklin October 15, 1789, the first Presidential Help Wayne grow his business by completing and submitting the enclosed Referral Form. As for me, all I know is that I know tour was held for George Washington in nothing. ~ Socrates New England. Fun quotes and facts, Sudoku puzzle, and our monthly recipe. The sunshine greets me with a smile. October 23, 1910, Blanche Scott became Most Importantly, the informative monthly message from CERTIFIED FINANCIAL PLANNER™, The rain, his sad sister, talks to my heart. the first woman to fly solo on a public Wayne K. Maslyk, Jr. ~ Tagore airplane flight. Your Monthly Message From Wayne P.S. I don’t know if we have any more shots at getting out on the water for Fishing Fridays this year. We’ll Referral Of The Month Club “85,000 shares of Ford,” the man said as he sat across STRINGS to access your liquid monies. No charges or play it by ear. Call my office to get on the list and I may Our Referrer of the Month for September is Mr. & Mrs. from me a month or so ago. “Can you believe I had fees. No taxes. No forms to fill out. No one needs to do a Wednesday or Saturday to sneak in a time or two Drew Long. In addition to being entered into the 85,000 of Ford?” “I hope you still own them,” I said. “Or bless the transaction (like an employer). No market yet. Also, for the clients of mine that did not get a drawing for the big prize at the end of the year, they if you don’t, I hope you sold at a good price. When did losses to impede the decision. It needs to be 100% chance to get out, I do have some extra perch. First have also won a gift certificate to Bay Harbor. Thank you sell them sir?” “A couple months back,” he replied. accessible with no strings! you , Drew and Susan, for not keeping Wayne a secret! come (or call), first serve. It’s free to clients, of course. Needless to say, that’s not a good thing. So, if we want higher returns (safely), with no risk, we Yummy! Yummy! P.S. We always welcome and encourage you to join us When meeting with folks on a daily basis, I run into have to move into accounts that are semi-liquid. We for dinner at our FREE financial planning workshop, P.P.S. Remember, now’s the time to think taxes. Not scenarios like this one more often than I’d like to. I’m have to give up some of that 100% liquidity in order to “13 Mistakes Even Smart People Make”! We genuinely sure along the way the man was told by his advisors that April, 2010. Keep an eye out for a special tax letter grow our money at a reasonable rate (inflation or better). want you there! Feel free to bring a guest. he shouldn’t be so under-diversified. And if he was a do- coming your way soon. Many of you reading this know some of my strategies on it-yourselfer, he would have read and heard advice on how I do this. If you’d like some ideas on how to keep TV, the radio or the internet along those same lines. But your money semi-liquid (withdraw annually, take he chose (Either by stupidity, greed, or most likely regular income, etc…), safe, and with 4%-7% rates of Are you 62 or older? Senior Expo loyalty to his company and former employer) to stay the return… please call my office (1.866.626.3990) and course. Staying the course in a bad situation is never a Do you usually owe income tax when you file? We had a wonderful time at the Senior Expo at Lyman good idea. In this case, it cost the man AND his family schedule a time to meet with me. Harbor this month. It was a good chance to meet many (Spouse, children and grandchildren) lots and lots of Moving on, I’d like to note that I worked out a CPA PREPARED INCOME TAX PREPARATION local retirees. money! If you do the math, he purchased these shares relationship with a property and casualty insurance while he worked at the Ford plant over his career. I’m guessing his cost basis was about $15.00 or $20.00 per agency. The name is Allen Thorley DeLloyd Insurance Company. They have offices in Elyria and Vermilion $89.95 The Winner of our Free CPA prepared tax return (valued up to $250) is Cathy White (Sandusky). share. That’s 85,000 x 20.00 = $1,700,000. He sold Ohio. They have been in business for 107 years. Yes, Call for a FREE tax interview. We also gave away a free CPA prepared tax return as somewhere between $2.00 and $4.00 per share. In other SINCE 1902!!! Do you think they are doing things right? words, he lost well over a million dollars through all of one of the awarded door prizes. this. Now, some folks will say “Well, it’s only a paper In today’s lean times, we need to cut cost and use our (866) 626-3990 loss.” That’s B.S.! The man could have harvested his money as efficiently as ever. One way to save (without gains anytime along the way and turned the so called being cheap) is to make sure you are getting the best “paper gains” into greenbacks in his pocket! Ford was price on your insurances. So I have a deal for you. When this man’s only major investment. It’s a sad story. One you get a quote from Allen Thorley DeLloyd, you will be of Warren Buffet’s famous quotes is, “You can get rich by provided with a $10 gift card from either Starbucks or Pumpkin Roll being under-diversified, but you CAN’T stay rich by Panera (you pick). The eligible insurances for this special being under-diversified.” It’s a pretty neat quote. offer are Home Owners, Auto Owners, Umbrella This was a little story about the “price” or “cost” of being Liability, Health and Medicare Supplement insurance. Ingredients 1 teaspoon baking soda under-diversified. Let’s talk about liquidity for a You will be provided with the gift card just for getting a 3 eggs ½ cup chopped walnuts moment. There are two main costs or prices for liquidity. quote. You do not have to purchase to get the gift card. 1 cup of white sugar ½ cup confectioners sugar for dusting One is low return. The other is risk! Let me explain. Your contact person is Jeff Smith, 1.866.628.1057. 2/3 cup canned pumpkin ¾ teaspoon vanilla extract First of all, the word liquidity means “The ability or ease ¾ cup all-purpose flour 2 tablespoons butter, softened In addition to finding a new insurance carrier, some of with which assets can be converted into cash.” I’m not ½ teaspoon ground cinnamon 8 ounces cream cheese you can save by raising your deductibles, combining talking about pulling an income from an investment or multiple policies with one carrier, having good driving an account. I’m talking about converting the whole records, and reminding the agent that you are having account to a pile of cash on your kitchen table. That’s Directions liquidity. The first cost is low return. A liquid account is college age kids come off of the coverage (and letting the a checking, savings or money market account. We use agent know they’re on their own). You can also sell extra 1. Preheat oven to 375º F (190º C). Grease a 15x10x1 inch baking pan and line with parchment paper. Grease and flour these to pay our bills and to have an emergency or vehicles or other titled assets you aren’t using often, get the paper. “Cash” reserve. We all know what type of return we are smoke alarms or burglar alarms, pass a boating safety 2. In a large bowl, beat eggs on high for five minutes. Gradually add white sugar and pumpkin. Add flour, cinnamon, getting in these accounts. The other price for liquidity is course to lower marine coverage, etc… A lot of little and baking soda. Spread batter evenly in pan. Sprinkle walnuts evenly on top. risk. We can own Cedar Fair (Cedar Point) stock, or things can add up to big savings, especially over time. 3. Bake for fifteen minutes or until cake springs back when lightly touched. Immediately turn out onto a linen towel Ford, or Merck, or Microsoft, put an order in to sell, and dusted with confectioners sugar. Peel off paper and roll cake up in the towel starting with the short end. Cool. Until next month, have a check delivered to our door in a week’s time. The 4. To make filling: Mix confectioners sugar, vanilla, butter or margarine, and cream cheese together until smooth. problem is, if you’re the guy I wrote about earlier, you Cordially, 5. Carefully unroll the cake. Spread filling over cake to within one inch of the edges. Roll up again. Cover and chill until may not want to sell when the stock is down. Or if it’s on serving. Dust with additional confectioners sugar, if desired. Wayne its way up, you may refrain from getting your cash from that particular stock. You see, there needs to be NO Wayne’s message continued Your name________________________________ Referral Form Address___________________________________ Help Wayne continue to build his business. Send in names of people who City_______________ State_____ Zip__________ will enjoy our newsletter and we will enter you into a monthly drawing for a Phone____________________________________ FREE Dinner for Two E-mail____________________________________ (A value of $100)! Name _________________________________________________________________________ Address _______________________________________________________________________ City____________________ State________ Zip_______________________________________ Phone _________________________________________________________________________ E-mail _________________________________________________________________________ Name _________________________________________________________________________ Address _______________________________________________________________________ City____________________ State________ Zip_______________________________________ Phone _________________________________________________________________________ E-mail _________________________________________________________________________ Name _________________________________________________________________________ Address _______________________________________________________________________ City____________________ State________ Zip_______________________________________ Phone _________________________________________________________________________ E-mail _________________________________________________________________________ Name _________________________________________________________________________ Address _______________________________________________________________________ City____________________ State________ Zip_______________________________________ Phone _________________________________________________________________________ E-mail _________________________________________________________________________ Send in one complete Referral Form AND you will be entered into a drawing to win dinner for two! You will also be entered into our annual drawing at the end of the year for a special prize. Your referrals will not be called or hassled in any way. They are only being added to our list to receive our monthly newsletter! As always, we value your business and greatly appreciate your referrals! Thank You! Receive a Quote from Allen Thorley DeLloyd Insurance Agency and get a $10.00 Gift Certificate to Starbucks or Panera Bread (your choice) ATD INSURANCE Protecting Families and Business Since 1902 The eligible insurances for this special offer are: Home Owners, Auto Owners, Umbrella Liability, Health and Medicare Supplement insurance. A purchase need not be made. You only need to receive a quote to receive the gift. Your contact person is Jeff Smith at 1.866.628.1057. Complete this form and hand it in at the time of your quote. We will send your gift certificate to you. Name ________________________________________ Address ______________________________________ City __________________ State ___ Zip _________ Phone _______________________________________ E-mail _______________________________________ Allen Thorley DeLloyd Insurance has offices in Elyria and Vermilion, OH. They’ve been in business since 1902.