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					                                                                                                      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
                                               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.
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
               (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