Are you, a loved one or a friend age 65 or over? If so, open enrollment for Part D prescription drug coverage is coming October 15 to December 7. While reviewing Part D, look at the premiums for the Medicare Supplement coverage often referred to as Part C. In Illinois, all plans are standardized so the monthly premium is the driving factor. Most seniors have Plan F. Plan G is identical to Plan F except for the Part B deductible. In most cases, Plan G premium savings over Plan F are double the Part B deductible. A 2 to 1 return is pretty good savings in this economy. If you are 65 or older and never had a Medicare Supplement Policy, we can help you as well. Call us for a no obligation quote for Medicare Supplement and/or Part D. (630-495-2901) We have many companies and the premium savings can make your call worthwhile. Note: When changing plans, some underwriting is required. It is quite liberal except for extreme conditions.
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If the subject of this interests you, just Click here. for detailed information. We are problem solvers. We help you solve your business and financial problems. We use our knowledge and experience to help you become more profitable. Contact us today. Since the initial consultation is free you have everything to gain and nothing to lose. Need help with your accounting, your taxes, your payroll or QuickBooks? No cost or obligation for our initial consultation. Call us today at (630) 320-3720 or e-mail us at info@monarchfinancialllc.com. We would like to help you. ou can also find links to your On Line Advisor E-Newsletter and your Calculators on our website at www.monarchfinancialllc.com. Art Bradley CPA & Don Wittmer CPA Monarch Financial Group, LLC 118 S. Washington Street Hinsdale, Illinois 60521 Phone (630) 320-3720 don@monarchfinancialllc.com art@monarchfinancialllc.com Any one who knows anything about sky diving or parachute jumping understands the importance of the question “Who’s packing your parachute?” When you use a parachute, your life literally depends on how the chute was packed. Who the packer is and how diligent they are in packing that parachute is of vital importance to the jumper. There is no room for error. As we go through life, we have many situations in which something important to us has been handled by someone else. What they do for us is vitally important to our business, our job, our livelihood or us and our family. How do we respond to those people? Do we take them for granted or do we find appropriate ways in which to show them how much we appreciate them and what they do? It is always appropriate to say “Thank You!” when someone does something to help us or does something special for us. Showing appreciation is one of the highest forms of respect we can show each other. We all like it when some one recognizes something we have said or done. Appreciation is a matter of common courtesy, but it is also a wise decision to make. Recognize what someone does for you with a word or some other act of appreciation. It is just good common sense to be thankful. These are some key things about showing appreciation you might find helpful. Appreciation must be sincere and timely. An immediate, heart felt thank you is deeply appreciated. Don’t save it up for some annual event. It won’t have much value if you do. It should be expressed as soon after the achievement as possible. Show appreciation frequently. Appreciation has a short shelf-life. People can quickly feel that they are not appreciated if you fail to thank them. Years ago I had an experience in which my boss carried my Christmas $50 bonus around in his brief case until the end of February. You can imagine how I felt about that expression of appreciation when I finally received it! Make it personal. Appreciation is valued by everyone who receives it whether it is in the form of a note card, flowers, dinner out or a simple “Thanks! I appreciate you and what you have done for me.” Personalize your expression of thanks to fit the person and the reason you are saying “Thanks!” Not everyone will appreciate the same expression of appreciation. Know your people well enough to understand what it is that will make your appreciation meaningful to them. Always attach the person’s name to it. Give it to them personally. Be honest in your expression of appreciation. Don’t assume that anyone knows that you are appreciative. But don’t show it when you don’t feel it. There is never a valid excuse for not showing appreciation. A failure to express appreciation is a failure of etiquette. Miss Manners would be disappointed in our lapse of good manners if we fail to express appropriate appreciation. Be aware of what others are doing for you. Do you have someone “packing your parachute”? If you do, then your life or your livelihood depends on how well they do it for you. Show them how much you appreciate them personally and what they do for you. As you do, they will take even better care of you in your on-going relationship with them. Show appreciation frequently and in a timely manner. As I mentioned previously, appreciation has a limited shelf life. I am reminded of the old farmer whose wife wasn’t feeling like he loved her anymore. When she said something about it to him, he responded, “Well, I told you I loved you before we married. And I haven’t changed my mind about it.” The problem of course, was that she would have appreciated being told and shown often that the love was still there. So it is with appreciation. Show it often. You can find a variety of ways to say “Thank You” or “I appreciate you.” Just do it! And when you do, you will find that you will feel better about things and so will those who have been on the receiving end of your expression of appreciation. At West Suburban Office Products we do appreciate you and your business. Please let us know how we can assist you with the office supplies or business products you need to run your business efficiently. Dennis R. Gleason West Suburban Office Products www.westsubonline.com 630-832-3066 Royal Oaks Irrigation/LightingChristopher Dabek 16600 W. Montauk Dr. Lockport, Il 60441 O; 815-588-4002 C:708-228-8911 chris@royaloaksirrigation.com Orange 13 Lounge(click to visit website!) Christopher Dabek 14196 Mc Carthy Road Lemont Il 60439 O: 630-257-1313 F: 630-257-1314 management@o13lounge.com PANAMA! – The new holiday rage closer to home. With Copa Airlines offering a nonstop flight from Chicago we not only have cruise options to see the Panama Canal but now full All inclusive resorts - packages with ½ day and full day tours to the Canal. Panama has an array of activities to choose from while visiting the destination. Great value, nonstop flights along with the all inclusive resort options truly opens up the area for clients to experience somewhere new and different Talk to Laura Lukasik at Viking Travel and learn how you can experience PANAMA in a whole new and exciting way. Some examples: - A Miami Beach style waterfront, beach and hotel community! - An aerial tram ride through a rain forest! - An ecological boat trip on a lake to view wildlife up close and personal! - Actually sail through the most famous passageway in the world – Panama Canal - where giant 5 million ton ships traverse from and to the Atlantic to the Pacific Oceans! - Experience a rain forest comparable to those in Brazil and Java in Indonesia! - Stay in 5 star luxurious hotels like Le Meridien, Marriott and Intercontinental hotels! - A lot more. Call Viking today and learn more about exciting Panama less than 6 hours away and less expensive than European destinations. Call Laura at 630-321-166 or e-mail her at llukasik@vikintvl.com or visit www.vikingtvl.com and find out how you can enjoy one of the best kept secrets in the Americas. Laura Lukasik Manager Viking Travel Service 700 Pasquinelli Drive, Suite C Westmont, Illinois 60559 Ph: 630-321-1664...Fax: 630-321-1669 Toll Free 1-800-233-3963 E-mail llukasik@vikingtvl.com Web Site www.vikingtvl.com Member: PROUD MEMBER OF ENSEMBLE/ASTA/NTA/CLIA/APTA Chicago Federal Reserve President Charles Evans believes that QE3 will work better to help the economy than QE2 because it is targeting the housing market. This will make it more attractive to refinance which will leave people with more money in their savings and more likely to purchase durable goods with that extra money. Evans believes the Fed should keep the bond buying policy until the unemployment rate falls below 7%. Mortgage rates moved slightly higher at the end of last week for the first time since the Fed announced QE3. Today we see rates have edged back down. Currently the 30 year fixed rate is at 3.40% and the 15 year fixed rates is at 2.73%. This week is the release of the anticipated employment report, which will be out on Friday. The private payroll report from ADP will be released on Wednesday. Weekly jobless claims as well as the FOMC minutes will be released on Thursday. Linus Schwemer Senior Loan Officer NMLS #191784 1st Advantage Mortgage, a Draper and Kramer company 630-376-0477 (Phone) 630-261-2209 (Fax) 630-638-5702 (Cell) linus.schwemer@1amllc.com www.linusschwemer.com We have just posted the October 2012 issue of the ONLINE ADVISOR newsletter on our website. Here area few headlines from that issue. To read any of these articles, click on the link at the end of these headlines. WHO PAYS "ENOUGH" IN TAXES? A recent poll by the Pew Research Center revealed that 58% of those surveyed felt the rich don't pay enough in taxes. 26% said the rich pay their fair share, and 8% said the rich pay too much. KNOW THE TAX DIFFERENCE BETWEEN ALIMONY AND CHILD SUPPORT Divorce is a sad experience for all concerned. The last thing you want to think about is taxes, but tax issues are important. DEVELOP AN EARLY-WARNING SYSTEM FOR PROBLEM ACCOUNTS If you extend credit to your customers, some losses are inevitable. So unless you are willing to forgo the credit part of your sales, you have to figure out ways to control your bad debt losses. INSURING YOUR TEEN DRIVER: HOW TO CONTROL THE COSt Your child is approaching 16 years old and for the past several years, he or she has reminded you (daily, it seems) of this inevitability. You, on the other hand, have been trying to expunge the thought that a teenager -- a teenager! -- will soon be driving one of your vehicles. Just click on the link below to read the full articles. http://www.planningtips.com/Planning_Tips.asp?Co_ID=150871&Tip_ID=6850 If you have a special business issue or problem that you think you may need some help to resolve, we could possibly provide you with answers. Our initial meeting is complimentary , so contact us today at (630) 320-3720 or e-mail us at info@monarchfinancialllc.com. "WE WANT TO HELP". We do hope that you get a chance to visit our Website at www.monarchfinancialllc.com . Our Website visitors especially like our TAX TIP of the week, and our FINANCIAL CALCULATORS links. These calculators provide answers to the questions that our clients ask us the most. Art Bradley CPA & Don Wittmer CPA Monarch Financial Group, LLC Office: (630) 320-3720 art@monarchfinancialllc.com don@monarchfinancialllc.com Microsoft’s Windows 8 operating system is gearing up to be the most controversial product in technology this year. With its release just around the corner in late October, many of your large PC makers are sure to start offering Windows 8 with their new systems. Purchasing a computer with Windows 8 may be a relaxing, fun task in your home, but what about your business? With Microsoft owning roughly 90% of the market share of computer operating systems, Windows 8 is a decision not to be taken lightly. In this article, we will discuss some of the pros and cons we found with Microsoft’s latest version. Windows 8 Pros: Finally, your office can stop paying for antivirus software. Windows 8 will be the first version to include built-in virus protection. This can lead to huge savings in larger offices that have yearly antivirus subscriptions. Windows Defender is a protection option that anyone can download from Microsoft’s website for free, very similar to what Windows 8 will include. If your office chooses to stay with subscription products such as Symantec or Trend Micro, Windows 8 will be smart enough to automatically turn off its virus protection. Synchronizing technology is the future of business. Windows 8 provides a consistent experience across multiple computers and devices with online synchronization. After you log in to your computer with a Windows Live ID, you can “carry around” many of your settings. Desktop themes, browser favorites, security settings, and personal settings are just a few features that you can view by logging your Live ID into another Windows 8 computer. Windows 8 Cons: Windows 8 was designed for tablets. The organized start menu that you have been clicking on since 1995 has now turned into a sea of oversized shortcuts. These large icons work out great for your finger and touch screens, but your business still contains the traditional keyboard and mouse. Microsoft is trying to make an operating system that can be used across all devices, but it seems that more work needs to be done before the experience is enjoyable on every device. The biggest problem businesses will face against Windows 8 is themselves. Microsoft is introducing changes with Windows 8 on an unprecedented scale. Many businesses are still migrating from Windows XP to Windows 7. Imagine your workplace running three totally different operating systems on a daily basis. Given the difficulties, many small businesses have been struggling with employees interfacing with new technology. Therefore, integrating Windows 8 into the office will be a challenge many IT administrators are not looking forward to. Our recommendation is to wait a year before adopting Windows 8 into your office. This time will allow your employees to experience Windows 8 at home on their own time. During that year, many other businesses will have the chance to work out the bugs and upgrade problems that Microsoft’s updates should address. For any questions regarding Windows 8, or business technology, feel free to contact Errol at Hinsdale Magazine. Edward Technology www.EdwardTechnology.com p: (630) 333-9323 f: (630) 333-9320 Elmhurst, IL – Burr Ridge, IL – Palatine, IL |
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