to and print! - Ambrose Financial and Insurance Services

4
Ambrose News
This Month In History ...
Issue 75 February 2016
February 2016
Sun
Mon
1
Tue
2
Wed
In this issue ...
Thu
3
4
Fri
5
1894 - American
artist and illustrator
Norman Rockwell
(1894-1978) is born
in New York City.
7
8
9
10
14
15
22
1980 - USA beats
USSR in Olympic
hockey 4-3 in the
“Miracle on Ice”
enroute to a gold
medal.
28
6
12
13
1966 - SF Giant
Willie Mays signs
highest contract in
Major League Baseball for $130,000
per year.
16
17
18
23
24
19
20
1952 - "African
Queen" opens at
Capitol Theater in
New York City.
25
Save More for Retirement in 2016
You've heard it over and over: Save as much as you can for retirement! After all, it's easy to see how you might not save
enough, but hard to argue that anyone could save too much. None of us know what kind of financial challenges lie ahead of us,
particularly during our retirement years. Therefore, the smart plan is to save as much as you can each year. Follow these five
steps to bump up your savings goal for 2016.
Divert your raise to savings. This is probably the easiest way to stash more money in your retirement fund. Any time you
receive a raise at work, simply visit your human resources department and ask them to divert at least part of the additional
money to your automatic contributions. You won't miss the money on each paycheck and you won't have to backtrack and
reduce spending later so that you can save more.
1936 - The world's
first superhero, The
Phantom, makes
his first appearance
in comics.
21
Sat
1943 - Singer
Frank Sinatra
debuts on radio's
"Your Hit Parade".
11
1910 - The Boy
Scouts of America
is founded.
Save More for Retirement in 2016
February 2016 Crossword Puzzle
Spinach Quiche
This Month In History
Record Retention Guide
26
1963 - Beatles release their 1st single
in US "Please
Please Me".
27
At least reach your maximum employer match amount. Your company might offer matching retirement funds, up to a
certain amount. This means for every dollar you contribute to your retirement account, they match it! If you aren't at least
striving to reach this maximum, then you're turning down free money every year.
Shoot for the maximum allowable contribution. Your 401(k) fund offers you a way to save for retirement while reaping
valuable tax benefits. For 2016, you can contribute up to $16,000 to your qualified retirement fund. If you aren't reaching this
maximum, you might be forfeiting tax savings and you'll be less prepared when you finally reach retirement.
Take advantage of catch-up contributions. Once you reach age 50, you can reap additional tax benefits while contributing
even more to your retirement account. This year the allowable catch-up contribution is $6,000, for a total savings of $24,000!
Open and fund an Individual Retirement Account (IRA). Once you've reached the maximum allowable contribution to your
401(k) each year, does that mean you can't save even more for retirement? Of course not! An IRA offers you an additional way
to prepare for your future, with even more tax advantages. You can contribute $5,500 to an IRA this year, or $6,500 if you're
age 50 or older.
Remember to claim your Saver's Credit. The IRS provides an additional incentive for certain people to save for their futures:
The Saver's Credit can grant you a credit of 10 to 50 percent of the amount you set aside in your retirement account. This
credit reduces the amount you owe toward your federal income taxes, or might even help you earn a refund. You can even
stash your refund in a retirement account.
For more information on how you can adequately prepare for your retirement years, call us to schedule an appointment. We
specialize in helping people like you find the solutions that help them save for the future.
29
Best Regards,
Come visit us at www.bambrose.com!
Brian
This newsletter contains general information that may not be suitable for everyone. The information contained herein should not be
construed as personalized investment advice. Past performance is no guarantee of future results. There is no guarantee that the views
and opinions expressed in this newsletter will come to pass. Investing in the stock market involves gains and losses and may not be
suitable for all investors. Information presented herein is subject to change without notice and should not be considered as a solicitation
to buy or sell any security.
2
3
February 2016
Across
1 Turkish bigwig
6 Psycho actress Leigh
11 Blue
14 Once more
15 Gr. letter
16 Bustle
17 Container of woes
19 Chair part
20 "___ you kidding?"
21 Jogged
22 Persia, now
24 London's Big ___
25 Entertained
28 Drink container
30 Sacked out
33 Excuse
35 Chick container
36 Bound
37 Statehouse VIP
38 Lowlife
40 Letters of distress
42 Tiny
43 Tristia poet
45 Apportion, with "out"
47 Noted blind mathematician
49 Heredity unit
50 Missive containers
52 Aplenty
54 Furniture wood
55 Competent
56 Showman Ziegfeld
57 Jacuzzi
60 Before (Prefix)
61 Gardening container
66 Electric fish
67 Picture
68 Legislate
69 Bud
70 Burn slightly
71 Beach sights
Down
1 Family man
2 Food thickener
3 Rational
4 Concealed
5 Pathologically thin
6 ___ of Arc
Spinach Quiche
Ingredients









4 eggs
1/2 cup real mayonnaise
1/3 cup minced onion
8 oz. shredded swiss or sharp cheddar cheese
1 unbaked pie shell 9 inch
1 cup half and half
2 tablespoons flour
Salt and garlic powder
1 pkg. Frozen chopped spinach (thawed and drained)
Directions





Preheat the oven to 350° F.
Hand whip eggs, half and half, mayonnaise, and flour in
a medium mixing bowl.
Add remaining ingredients.
Pour into an unbaked deep pie crest.
Bake for 45 minutes to 1 hour or until top crust is golden brown.
’d
you
cipe
e
r
r?
rite
lette
favo
ews
ea
n
v
ada
r
h
a re
n ou
e
i
you
s
o
d
o
o
e
D
!
shar
’ll ch
here
like
, we
e it
h
r
t
a
n
h
o
at
ds
hm
dee
e an
Eac
o De
ecip
t
r
s
e
’
er
cip
r re
om
you
ose.c
d
n
mbr
Se
a
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s at
ee@
cipe
ded
e re
r
m
o
m
e.co
See
bros
m
a
b
w.
ww
This recipe was submitted by Laura Lucas; Brian’s Client Relations Manager
NOTE from Laura : I always add 3-4 sliced mushrooms, 4 chopped marinated
artichoke hearts, 2 minced cloves of garlic and 3-4 slices of crumbled cooked
bacon. Since I use the bacon and fresh garlic, I omit the garlic powder and salt.
7
8
9
10
11
12
13
18
23
24
25
26
27
Mornings, for short
Bill
Conceit
Passenger containers
Greens containers
Yemeni port
Barker
Hindu princess
Authentic
Napkin, of sorts
Duffer's dream
Shellfish
Plotting
28
29
31
32
33
34
39
41
44
46
48
51
53
Submersible container
Win over
Fencing sword
Ruminant
Spellbound
Zero, on a court
Bullets
Flavored
Card game start
Dead heat
Word of disgust
Island east of Java
Clark's partner
More puzzles at www.bambrose.com
55
56
57
58
59
60
62
63
64
Domain
At liberty
Glance over
Stride
Aardvark fare
Energy
Fr. friend
The Joy Luck Club author
1947 Claudette Colbert comedy,
The ___ and I
65 African antelope
Click here for this
month’s puzzle
solution
For more information about Ambrose Financial, visit www.bambrose.com,
email Brian directly at [email protected] or call him at (925) 906-4615.
Investment Advisory Services Offered Through Brokers International Financial Services, LLC, Member SIPC, Panora IA.
Ambrose Financial and Insurance Services, LLC and Brokers International Financial Services, LLC are not affiliated.
Brian Ambrose is an endorsed agent of Ambrose Financial and Insurance Services, LLC (CA Insurance License No. 0F95178)
Come check out our website at www.bambrose.com
DID YOU KNOW?
Money can buy love. The average U.S. consumer spent around $102 on Valentine's Day gifts, meals and entertainment in 2009, according to an annual U.S. National Retail Federation survey. Roughly 92° of married Americans with
children will spend most of that money (about $67) on their spouse; the rest goes to Valentine's Day gifts for kids,
friends, coworkers and even pets.
http://www.womansday.com/relationships/a4702/10-fun-valentines-day-facts-103385/
500 Ygnacio Valley Road, Suite 150, Walnut Creek, CA 94596
Office located in Principal Financial Group
For appointments, call Laura at (925) 906-4607
For account service, call Dedee at (925) 906-4609
2
3
February 2016
Across
1 Turkish bigwig
6 Psycho actress Leigh
11 Blue
14 Once more
15 Gr. letter
16 Bustle
17 Container of woes
19 Chair part
20 "___ you kidding?"
21 Jogged
22 Persia, now
24 London's Big ___
25 Entertained
28 Drink container
30 Sacked out
33 Excuse
35 Chick container
36 Bound
37 Statehouse VIP
38 Lowlife
40 Letters of distress
42 Tiny
43 Tristia poet
45 Apportion, with "out"
47 Noted blind mathematician
49 Heredity unit
50 Missive containers
52 Aplenty
54 Furniture wood
55 Competent
56 Showman Ziegfeld
57 Jacuzzi
60 Before (Prefix)
61 Gardening container
66 Electric fish
67 Picture
68 Legislate
69 Bud
70 Burn slightly
71 Beach sights
Down
1 Family man
2 Food thickener
3 Rational
4 Concealed
5 Pathologically thin
6 ___ of Arc
Spinach Quiche
Ingredients









4 eggs
1/2 cup real mayonnaise
1/3 cup minced onion
8 oz. shredded swiss or sharp cheddar cheese
1 unbaked pie shell 9 inch
1 cup half and half
2 tablespoons flour
Salt and garlic powder
1 pkg. Frozen chopped spinach (thawed and drained)
Directions





Preheat the oven to 350° F.
Hand whip eggs, half and half, mayonnaise, and flour in
a medium mixing bowl.
Add remaining ingredients.
Pour into an unbaked deep pie crest.
Bake for 45 minutes to 1 hour or until top crust is golden brown.
’d
you
cipe
e
r
r?
rite
lette
favo
ews
ea
n
v
ada
r
h
a re
n ou
e
i
you
s
o
d
o
o
e
D
!
shar
’ll ch
here
like
, we
e it
h
r
t
a
n
h
o
at
ds
hm
dee
e an
Eac
o De
ecip
t
r
s
e
’
er
cip
r re
om
you
ose.c
d
n
mbr
Se
a
b
s at
ee@
cipe
ded
e re
r
m
o
m
e.co
See
bros
m
a
b
w.
ww
This recipe was submitted by Laura Lucas; Brian’s Client Relations Manager
NOTE from Laura : I always add 3-4 sliced mushrooms, 4 chopped marinated
artichoke hearts, 2 minced cloves of garlic and 3-4 slices of crumbled cooked
bacon. Since I use the bacon and fresh garlic, I omit the garlic powder and salt.
7
8
9
10
11
12
13
18
23
24
25
26
27
Mornings, for short
Bill
Conceit
Passenger containers
Greens containers
Yemeni port
Barker
Hindu princess
Authentic
Napkin, of sorts
Duffer's dream
Shellfish
Plotting
28
29
31
32
33
34
39
41
44
46
48
51
53
Submersible container
Win over
Fencing sword
Ruminant
Spellbound
Zero, on a court
Bullets
Flavored
Card game start
Dead heat
Word of disgust
Island east of Java
Clark's partner
More puzzles at www.bambrose.com
55
56
57
58
59
60
62
63
64
Domain
At liberty
Glance over
Stride
Aardvark fare
Energy
Fr. friend
The Joy Luck Club author
1947 Claudette Colbert comedy,
The ___ and I
65 African antelope
Click here for this
month’s puzzle
solution
For more information about Ambrose Financial, visit www.bambrose.com,
email Brian directly at [email protected] or call him at (925) 906-4615.
Investment Advisory Services Offered Through Brokers International Financial Services, LLC, Member SIPC, Panora IA.
Ambrose Financial and Insurance Services, LLC and Brokers International Financial Services, LLC are not affiliated.
Brian Ambrose is an endorsed agent of Ambrose Financial and Insurance Services, LLC (CA Insurance License No. 0F95178)
Come check out our website at www.bambrose.com
DID YOU KNOW?
Money can buy love. The average U.S. consumer spent around $102 on Valentine's Day gifts, meals and entertainment in 2009, according to an annual U.S. National Retail Federation survey. Roughly 92° of married Americans with
children will spend most of that money (about $67) on their spouse; the rest goes to Valentine's Day gifts for kids,
friends, coworkers and even pets.
http://www.womansday.com/relationships/a4702/10-fun-valentines-day-facts-103385/
500 Ygnacio Valley Road, Suite 150, Walnut Creek, CA 94596
Office located in Principal Financial Group
For appointments, call Laura at (925) 906-4607
For account service, call Dedee at (925) 906-4609
4
Ambrose News
This Month In History ...
Issue 75 February 2016
February 2016
Sun
Mon
1
Tue
2
Wed
In this issue ...
Thu
3
4
Fri
5
1894 - American
artist and illustrator
Norman Rockwell
(1894-1978) is born
in New York City.
7
8
9
10
14
15
22
1980 - USA beats
USSR in Olympic
hockey 4-3 in the
“Miracle on Ice”
enroute to a gold
medal.
28
6
12
13
1966 - SF Giant
Willie Mays signs
highest contract in
Major League Baseball for $130,000
per year.
16
17
18
23
24
19
20
1952 - "African
Queen" opens at
Capitol Theater in
New York City.
25
Save More for Retirement in 2016
You've heard it over and over: Save as much as you can for retirement! After all, it's easy to see how you might not save
enough, but hard to argue that anyone could save too much. None of us know what kind of financial challenges lie ahead of us,
particularly during our retirement years. Therefore, the smart plan is to save as much as you can each year. Follow these five
steps to bump up your savings goal for 2016.
Divert your raise to savings. This is probably the easiest way to stash more money in your retirement fund. Any time you
receive a raise at work, simply visit your human resources department and ask them to divert at least part of the additional
money to your automatic contributions. You won't miss the money on each paycheck and you won't have to backtrack and
reduce spending later so that you can save more.
1936 - The world's
first superhero, The
Phantom, makes
his first appearance
in comics.
21
Sat
1943 - Singer
Frank Sinatra
debuts on radio's
"Your Hit Parade".
11
1910 - The Boy
Scouts of America
is founded.
Save More for Retirement in 2016
February 2016 Crossword Puzzle
Spinach Quiche
This Month In History
Record Retention Guide
26
1963 - Beatles release their 1st single
in US "Please
Please Me".
27
At least reach your maximum employer match amount. Your company might offer matching retirement funds, up to a
certain amount. This means for every dollar you contribute to your retirement account, they match it! If you aren't at least
striving to reach this maximum, then you're turning down free money every year.
Shoot for the maximum allowable contribution. Your 401(k) fund offers you a way to save for retirement while reaping
valuable tax benefits. For 2016, you can contribute up to $16,000 to your qualified retirement fund. If you aren't reaching this
maximum, you might be forfeiting tax savings and you'll be less prepared when you finally reach retirement.
Take advantage of catch-up contributions. Once you reach age 50, you can reap additional tax benefits while contributing
even more to your retirement account. This year the allowable catch-up contribution is $6,000, for a total savings of $24,000!
Open and fund an Individual Retirement Account (IRA). Once you've reached the maximum allowable contribution to your
401(k) each year, does that mean you can't save even more for retirement? Of course not! An IRA offers you an additional way
to prepare for your future, with even more tax advantages. You can contribute $5,500 to an IRA this year, or $6,500 if you're
age 50 or older.
Remember to claim your Saver's Credit. The IRS provides an additional incentive for certain people to save for their futures:
The Saver's Credit can grant you a credit of 10 to 50 percent of the amount you set aside in your retirement account. This
credit reduces the amount you owe toward your federal income taxes, or might even help you earn a refund. You can even
stash your refund in a retirement account.
For more information on how you can adequately prepare for your retirement years, call us to schedule an appointment. We
specialize in helping people like you find the solutions that help them save for the future.
29
Best Regards,
Come visit us at www.bambrose.com!
Brian
This newsletter contains general information that may not be suitable for everyone. The information contained herein should not be
construed as personalized investment advice. Past performance is no guarantee of future results. There is no guarantee that the views
and opinions expressed in this newsletter will come to pass. Investing in the stock market involves gains and losses and may not be
suitable for all investors. Information presented herein is subject to change without notice and should not be considered as a solicitation
to buy or sell any security.
Record Retention Guide
How long should you retain personal records? Some documents and records need to be kept permanently, but most
can be discarded after a certain period of time. Here are some of the generals rules-of-thumb as to how long you
should keep documents. When in doubt, don't throw it out. If you have any questions, check with your financial
advisor.
Record Retention Guide
Permanent Retention
Deeds & Titles
Property Records
Education Records
Employment Records
Safe Deposit Box Inventory/List of assets
Divorce Papers
Mortgage Documents
Pre-Nuptial Agreement
Adoption Papers
Birth Certificates
Marriage Certificates
Parents’ Wills
Vehicle, Boat & Trailer Title
House Title
Social Security Cards
Social Security Earnings Records
Social Security Audits
Passports
Stock & Bond Certificates
Annuities
Personal Financial Statement
Bank & Trust Account Information
Audit Report of Accounts
Household Inventory: Receipts, Photos, Videos and
other inventory records
Retirement Income Information
Pension & Profit Sharing Plans
Deferred Compensation
Rents and Royalties
IRA plans & 401K plans
Annuities (or until sold)
Other Retirement documents
Military Service/Discharge Records
Civil Service Records
Partnership or Corporate Documents
Lawsuits or other legal actions
Death Certificate
Citizenship Paperwork
Personal Health Records
7 Year Retention
Home Deed and Closing Statement (7 years after you sell)
Home Improvement Records & Receipts (7 years after you sell)
Property Tax Assessments
Federal, State and Local Income Tax Returns along with W2 forms and supporting documents
Federal, State and Local Gift Tax and/or Estate Tax Returns with supporting documents
Checks & Checkbook Records—7 years in tax deductible/2 years if not tax deductible
Credit Card Statements—7 years in tax deductible/2 years if not tax deductible
Credit Card Receipts—7 years in tax deductible/2 years if not tax deductible
Paid Bills—7 years in tax deductible/2 years if not tax deductible
1-3 Year Retention
Bank Statements - 1 year
Rent Receipts - 2 years
Home Mortgage, Title Insurance Policy, Property Survey and Appraisals - 3 years after paid off
Loan Payment Records (non-mortgage)
If in doubt about a document, keep for a minimum of 3 years/maximum of 7 years as a precaution
©Lakes Publishing 2007
Form RRG-0105
Record Retention Guide Cont.
Keep while you own or while in force
Insurance Papers:
Life Insurance
Health and Medical Insurance
Medicare Supplement Insurance
Long-Term Care Insurance
Disability Insurance
Mortgage Insurance
Homeowners or Renters Insurance
Auto and Boat Insurance
Travel Insurance
Accidental Death Insurance
Personal Umbrella/Liability Insurance
Credit and Credit Card Insurance
Record Retention Guide
Auto, Boat, other vehicle
Ownership Papers
Sales Contracts
Receipts
Maintenance Records
License Information
Lease Agreements
Receipts and Appraisals for Personal Property, Artwork, Valuables
Home and/or Apartment Lease Agreements
Owners’ Manuals for Appliances
Receipts for Major Warranties Purchases
Warranties and Extended Service Agreements
This information has been prepared by Lakes Publishing, LLC. The information provided 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 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.
If in doubt about a document, keep for a minimum of 3 years/maximum of 7 years as a precaution
©Lakes Publishing 2007
Form RRG-0105
Brian Ambrose Feb. 2016 newsletter crossword solution
Across
1
6
11
14
15
16
17
19
20
21
22
24
25
28
30
33
35
36
37
38
40
42
43
45
47
49
50
52
54
55
56
57
60
Turkish bigwig
Psycho actress Leigh
Blue
Once more
Gr. letter
Bustle
Container of woes
Chair part
“___ you kidding?”
Jogged
Persia, now
London’s Big ___
Entertained
Drink container
Sacked out
Excuse
Chick container
Bound
Statehouse VIP
Lowlife
Letters of distress
Tiny
Tristia poet
Apportion, with “out”
Noted blind
mathematician
Heredity unit
Missive containers
Aplenty
Furniture wood
Competent
Showman Ziegfeld
Jacuzzi
Before (Prefix)
61
66
67
68
69
70
71
Gardening container
Electric fish
Picture
Legislate
Bud
Burn slightly
Beach sights
PuzzleJunction.com
1
P
14
2
A
3
S
Family man
Food thickener
Rational
Concealed
Pathologically thin
___ of Arc
Mornings, for short
Bill
Conceit
Passenger containers
Greens containers
Yemeni port
Barker
Hindu princess
Authentic
Napkin, of sorts
Duffer’s dream
Shellfish
Plotting
Submersible container
Win over
Fencing sword
Ruminant
Spellbound
Zero, on a court
Bullets
H
5
6
A
A
G
A
I
P
A
N
D O
A
R
E
15
7
A
8
N
9
E
G
R
A
O
R
A
N
B
E
N
D
I
X
I
L
I
B
G O
V
O
V
I
G
E
N
E
G
A
A
B
L
P
R
E
E
E
L
P
A
L
20
28
33
A
37
43
49
34
55
60
66
69
52
N
J
O M E
17
Down
1
2
3
4
5
6
7
8
9
10
11
12
13
18
23
24
25
26
27
28
29
31
32
33
34
39
4
21
24
44
38
I
C
D
18
39
A
45
29
E
61
N
E
35
D
26
U
P
S
T
S
O
40
M A
I
L
O
E
62
27
M U
E
S
16
A
X
22
I
S
41
S
47
R
A
N
E
D
A
B
30
L
U
L
R
S
L
O
E
R
I
G
E
N G
E
M A
S
I
D
E
F
T
32
W E
H
64
E
E
48
65
O
31
G
P
S
63
D
E
A
56
13
L
23
G
R
A
D O
A
54
12
A
19
36
E
51
11
T
B
I
70
46
B
T
W A
67
A
C
50
L
25
E
M E
53
S
10
42
57
S
E
58
P
59
A
N G
C
A
N
E
N
A
C
T
D
U
N
E
S
68
71
©2016 PuzzleJunction.com
41
44
46
48
51
53
Flavored
Card game start
Dead heat
Word of disgust
Island east of Java
Clark’s partner
55
56
57
58
59
60
Domain
At liberty
Glance over
Stride
Aardvark fare
Energy
62 Fr. friend
63 The Joy Luck Club
author
64 1947 Claudette Colbert
comedy, The ___ and I
65 African antelope