January 2014

The Impact of Health-Care Costs on Social Security
More Social Security income is being spent on health-related costs each year, leaving less available for other retirement expenses.

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Bonds vs. Bond Funds: Which Is Better When Interest Rates Rise?
If the Fed raises interest rates in 2014, how will that affect individual bonds and bond mutual funds?

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Think Outside the Shoe Box When Organizing Financial Records
If you've ever had trouble finding an important financial document, you know why it's necessary to keep your financial records organized. Less clutter means less stress, and though you'll need to commit a bit of time up front to organize your files, you can save time and money over the long term when you can find what you need when you need it.   More Details

Is there anything I can do to lower my auto insurance bill?
Insurance companies base auto insurance rates on a variety of criteria, such as your age, driving record, residence, and even the type of car that you drive (though factors vary from state to state). If you find that you're paying more than you think you should for auto insurance, there are ways you can lower your premiums.  More Details

My teenage daughter just got her driver's license. Will my auto insurance rates go up?
The short answer is: yes. Anytime you add an extra driver to your policy, your rates will increase. However, you may end up paying even more when you add your daughter to your policy, since teenage drivers are some of the highest-risk drivers on the road.  More Details

This information is not intended to be tax or legal advice. It is provided for your education only by Pennytree Advisers, LLC. Individual circumstances may vary.

This communication is strictly intended for individuals residing in the state(s) of MA. No offers may be made or accepted from any resident outside the specific states referenced.

Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2014.

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