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Why Do These Fed Decisions Matter?

by

WEEKLY UPDATE – SEPTEMBER 29, 2014

In This Issue

Quote Of The Week
Recipe Of The Week
Tax Tips
Golf Tip
Healthy Lifestyle
Green Living

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Markets lost ground last week, though a Friday rally on positive economic data helped
trim losses. For the week, the S&P 500 lost 1.37%, the Dow dropped 0.96%, and the
Nasdaq fell 1.48%.[1]
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Last week, a lot of market focus was on the Fed. Following the Federal Open Market
Committee on September 16th -17th, multiple Fed officials gave speeches outlining
their opinions about how the Fed should handle raising interest rates and returning
to normal monetary operations. Unsurprisingly, there are some definite differences
of opinion amongst the Fed’s top experts.
The hawks: Monetary hawks generally prefer high interest rates because they fear
the effects of high inflation more than they worry about weak economic growth.
Prominent members of this camp, like Dallas Fed President Richard Fisher, believe
that the Fed should start raising rates as early as Spring 2015.[2]
The doves: Doves tend to favor lower interest rates in order to boost economic growth;
they believe that the negative effects of inflation are negligible in comparison
with the benefit of increased economic activity. Prominent doves include Chicago
Fed President Charles Evans, who favor keeping rates low until they can be certain
the economy has enough momentum behind it. Folks in this camp seem to favor keeping
rates low for much longer, possibly until 2016.[3]
Keep in mind that such disagreements are healthy, because there is a lot of room
for interpretation of economic data and debate about the effects of economic policy.
However, these splits mean that Fed chairwoman Janet Yellen must craft a careful
compromise at the October FOMC meeting or risk making financial markets nervous.
Why do these Fed decisions matter? The Fed has held interest rates at rock bottom
levels in order to encourage lending and stoke economic activity. Now that the economy
is improving, the Fed is starting to think about inflation – which they like to
keep below 2% (headline inflation). By slowly raising rates, the Fed plans to avoid
the specter of high or unexpected inflation, which can negatively affect the economy
by chipping away at buying power. If the Fed raises rates too soon, the economic
recovery could falter. If rates are left low too long, inflation could spike.
For bond investors, rising interest rates will affect the market prices of the bonds
in their portfolios. As interest rates rise, bond prices fall as new bonds paying
higher rates come on to the market. As financial professionals, we spend a lot of
time managing these issues for our clients so that they are prepared for rising
rates. Bottom line: We know higher interest rates are coming, we just don’t know
when. The good news is that the economy is doing reasonably well and the signs
point to continued growth this year.
The minor decline last week wasn’t unexpected. Markets have been trading at record
highs and concerns about slowing growth in China and other threats to the global
economy caused investors to hit pause ahead of the end of the quarter. Will the
decline continue or will investors buy the dip? Hard to say. Looking ahead at the
last week of the quarter, a lot of attention will be on the release of the September
jobs report, which will hopefully underscore the labor markets improvements. However,
a positive jobs report could be the evidence the Fed needs to move away from monetary
stimulus, which could cause some market volatility. We’ll know more once we start
to see a trickle of Q3 earnings reports and quarterly economic data.
ECONOMIC CALENDAR:
Monday: Personal Income and Outlays, Pending Home Sales Index, Dallas Fed Mfg. Survey
Tuessday: S&P Case-Shiller HPI, Chicago PMI, Consumer Confidence
Wednesday: Motor Vehicle Sales, ADP Employment Report, PMI Manufacturing Index,
ISM Mfg. Index, Construction Spending, EIA Petroleum Status Report
Thursday: Jobless Claims, Factory Orders
Friday: Employment Situation, International Trade, PMI Services Index, ISM Non-Mfg.
Index
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Notes: All index returns exclude reinvested dividends, and the 5-year and 10-year
returns are annualized. Sources: Yahoo! Finance and  Treasury.gov [http://r20.rs6.net/tn.jsp?t=f4sq69rab.0.0.ekybvaeab.0&id=preview&r=3&p=http%3A%2F%2Fwww.treasury.gov%2FPages%2Fdefault.aspx].
International performance is represented by the MSCI EAFE Index. Corporate bond
performance is represented by the DJCBP. Past performance is no guarantee of future
results. Indices are unmanaged and cannot be invested into directly.
HEADLINES:
Q2 GDP estimate rises to 4.6%.The third estimate of second quarter economic growth
was revised upward again, largely driven by greater business and personal consumption.
These are excellent indicators for greater growth this year.[4]
Durable goods orders fall. After July’s surprise surge in aircraft orders, August
orders for long-lasting manufactured goods fell. However, excluding the volatile
transportation category, so-called core orders rebounded 0.7%, which is a healthy
amount.[5]
Consumer sentiment measure reaches 14-month high. An index of consumer confidence
reached the highest level seen since July 2013, also the second highest level in
seven years. Americans feel more upbeat about economic growth and rising incomes,
which could give consumer spending a needed boost.[6]
August new home sales swell. August sales of new single-family homes surged to their
highest level in six years, supporting hopes that the housing market isn’t done
growing yet. However, low supply levels will likely continue to stunt sales activity.[7]
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Quote Of The Week
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

“It is not enough to be busy; so are the ants. The question is: What are we busy
about?”
- Henry David Thoreau
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Recipe Of The Week
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Broiled Salmon With Mustard and New Potato Salad
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Mustard and fennel pair beautifully in this healthful main course.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Ingredients:
Serves 8
1 1/2 pounds new potatoes
kosher salt and black pepper
3/4 cup full-fat sour cream or crème fraîche
2 tablespoons fresh lemon juice
1 small fennel bulb, thinly sliced
4 6-ounce salmon fillets, skin removed
3 tablespoons Dijon mustard
1/4 cup fresh dill, chopped
Directions:

1. Scrub the new potatoes. Add them to a pot and fill with cold water until the
potatoes are just covered. Add a pinch of salt and bring the pot to a boil. Once
the water is boiling, cover the pot and reduce the heat. Cook the potatoes for
about 15 minutes until the potatoes can be pierced easily.
2. While the potatoes are cooking, mix the sour cream, 1 TB of lemon juice, with
salt and pepper to taste. Remember that potatoes absorb a lot of salt.
3. Drain the potatoes into a colander and rinse with cold water. Slice them into
quarters and add them to the sour cream mixture. Add the sliced fennel and combine
thoroughly.
4. Move an oven rack to between 6 and 8 inches below the broiler. Turn on your broiler.
5. Drizzle the peaches with honey and toss to coat thoroughly. Mix the cream and
powdered sugar until thoroughly combined. Using a spatula, gently spread the cream
over the cooled tart crust. Arrange the peaches in a single layer on top.
6. Mix together the mustard and 1 TB lemon juice and spread over the salmon filets.
Lay the salmon on a broiling tray or a lined baking sheet and broil until it is
flaky and done. Depending on the thickness of your filets, this could be 6 to 8
minutes.
7. Plate each salmon filet with some salad, and garnish with the chopped dill.
Recipe adapted from Sara Quessenberry     | RealSimple.com[8]
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Tax Tips
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

What To Do If You’re Missing a W-2?
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

If you lost your W-2 or never received it, here’s what you should do:
Contact your employer: Make sure that your employer or former employer sent your
W-2 to your correct address.
Contact the IRS: If you can’t get your W-2 from your employer, give the IRS a call
at 800-829-1040. You’ll need the following when you call:

* Your name, address, Social Security number, and phone number;
* Your employer’s name, address, and phone number;
* The dates you worked for the employer; and
* An estimate of the amount of wages you were paid and federal income tax withheld
in the previous year. If possible, you can use your final pay stub to figure these
amounts.
Remember to file on time. Even if you don’t have all the information you need, your
taxes are still due on April 15, 2015. If you don’t have your W-2, call a qualified
tax expert or use Form 4852, Substitute for Form W-2, Wage and Tax Statement, to
estimate your wages and withheld taxes. You can also apply for a six-month extension
to file, though you will still owe your taxes by the original filing deadline.
For more information on how to file without a W-2 or how to correct previously filed
taxes, contact a qualified tax professional or visit IRS.gov.
Tip courtesy of IRS.gov[9]
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Golf Tip
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Keep Your Tempo Consistent
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Professional golfers know that keeping a consistent swing tempo is key to hitting
consistent shots. Some golfers have a faster tempo than others, but, regardless
of club length, the time it takes to swing a club from beginning to end should remain
the same.
Many amateur golfers fall into the habit of increasing the speed of their swing
to hit longer shots. However, speed and distance come from longer club length, not
swing tempo. If you fall into the habit of changing your speed with each club, you
won’t be able to hit consistently. To test your consistency and practice a steady
tempo, try several practice swings with a mid-ranged club, like a 5- or 6-iron.
Focus on swinging smoothly and finishing with good form. Tee up to a ball and try
a practice shot with the same tempo. Then try a shot with a range of clubs to see
if your pace remains consistent
Tip courtesy of Lana Ortega, LPGA | Golf Tips Mag[10]
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Healthy Lifestyle
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Healthful Fall Foods
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Enjoy the season’s bounty and get some important health benefits along the way:

* Apples are full of important fiber and the peel contains ursolic acid, which is
linked to a lower risk of obesity.
* Chestnuts are excellent sources of protein, Vitamin E, and Vitamin C, and have
many fewer calories and fat than other nuts.
* Brussels sprouts are an important superfood packed with Vitamin C and fiber.
* Turnips are loaded with obesity-fighting nutrients, including fiber, Vitamin C,
and calcium, and are much lower in calories than many other starches.
Tip courtesy of AARP[11]
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Green Living
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Protect Your Indoor Air
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Before turning on your furnace this year, protect your health and boost the efficiency
of your heating system by following these steps:

* Have your system serviced regularly to prevent leaks and ensure that the unit
is operating efficiently.
* Change out your air filter regularly.
* Install a carbon monoxide detector near the furnace.
* Check your basement or utility closet for mold or mildew, which can be blown into
the rest of your house.
Tip courtesy of Greenpeace[12]
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Investing involves risk including the potential loss of principal. No investment
strategy can guarantee a profit or protect against loss in periods of declining
values.

Diversification does not guarantee profit nor is it guaranteed to protect assets.

The Standard & Poor’s 500 (S&P 500) is an unmanaged group of securities considered
to be representative of the stock market in general.

The Dow Jones Industrial Average is a price-weighted average of 30 significant stocks
traded on the New York Stock Exchange and the NASDAQ. The DJIA was invented by Charles
Dow back in 1896.

The Nasdaq Composite is an index of the common stocks and similar securities listed
on the NASDAQ stock market and is considered a broad indicator of the performance
of stocks of technology companies and growth companies.

The MSCI EAFE Index was created by Morgan Stanley Capital International (MSCI) that
serves as a benchmark of the performance in major international equity markets as
represented by 21 major MSCI indexes from Europe, Australia and Southeast Asia.

The Dow Jones Corporate Bond Index is a 96-bond index designed to represent the
market performance, on a total-return basis, of investment-grade bonds issued by
leading U.S. companies. Bonds are equally weighted by maturity cell, industry sector,
and the overall index.

The S&P/Case-Shiller Home Price Indices are the leading measures of U.S. residential
real estate prices, tracking changes in the value of residential real estate. The
index is made up of measures of real estate prices in 20 cities and weighted to
produce the index.

The 10-year Treasury Note represents debt owed by the United States Treasury to
the public. Since the U.S. Government is seen as a risk-free borrower, investors
use the 10-year Treasury Note as a benchmark for the long-term bond market.

Google Finance is the source for any reference to the performance of an index between
two specific periods.

Opinions expressed are subject to change without notice and are not intended as
investment advice or to predict future performance.

Past performance does not guarantee future results.

You cannot invest directly in an index.

Consult your financial professional before making any investment decision.

Fixed income investments are subject to various risks including changes in interest
rates, credit quality, inflation risk, market valuations, prepayments, corporate
events, tax ramifications and other factors.

These are the views of Platinum Advisor Marketing Strategies, LLC, and not necessarily
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2 http://blogs.wsj.com/economics/2014/09/25/fed-has-window-to-alter-guidance-at-next-meeting/
[http://r20.rs6.net/tn.jsp?t=f4sq69rab.0.0.ekybvaeab.0&id=preview&r=3&p=http%3A%2F%2Fblogs.wsj.com%2Feconomics%2F2014%2F09%2F25%2Ffed-has-window-to-alter-guidance-at-next-meeting%2F]
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4 http://www.forbes.com/sites/samanthasharf/2014/09/26/u-s-gdp-grew-4-6-in-second-quarter-2014-up-from-earlier-estimates/
[http://r20.rs6.net/tn.jsp?t=f4sq69rab.0.0.ekybvaeab.0&id=preview&r=3&p=http%3A%2F%2Fwww.forbes.com%2Fsites%2Fsamanthasharf%2F2014%2F09%2F26%2Fu-s-gdp-grew-4-6-in-second-quarter-2014-up-from-earlier-estimates%2F]
5 http://wsj-us.econoday.com/byshoweventfull.asp?fid=461110&cust=wsj-us&year=2014&lid=0&prev=/byweek.asp#top
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6 http://abcnews.go.com/Business/wireStory/us-consumer-sentiment-index-reaches-14-month-high-25778086
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7 http://www.usatoday.com/story/money/business/2014/09/24/august-new-home-sales/16143633/
[http://r20.rs6.net/tn.jsp?t=f4sq69rab.0.0.ekybvaeab.0&id=preview&r=3&p=http%3A%2F%2Fwww.usatoday.com%2Fstory%2Fmoney%2Fbusiness%2F2014%2F09%2F24%2Faugust-new-home-sales%2F16143633%2F]
8 http://www.realsimple.com/food-recipes/browse-all-recipes/mustard-broiled-salmon-new-potato-salad
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9 http://www.irs.gov/uac/Newsroom/Form-W2-Missing-IRS-Can-Help [http://r20.rs6.net/tn.jsp?t=f4sq69rab.0.0.ekybvaeab.0&id=preview&r=3&p=http%3A%2F%2Fwww.irs.gov%2Fuac%2FNewsroom%2FForm-W2-Missing-IRS-Can-Help]
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11 http://www.aarp.org/health/healthy-living/info-2014/fat-busting-fall-foods-photo.html#slide1
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12 http://www.greenpeace.org/usa/en/multimedia/goodies/green-guide/green-lifestyle/
[http://r20.rs6.net/tn.jsp?t=f4sq69rab.0.0.ekybvaeab.0&id=preview&r=3&p=http%3A%2F%2Fwww.greenpeace.org%2Fusa%2Fen%2Fmultimedia%2Fgoodies%2Fgreen-guide%2Fgreen-lifestyle%2F+]
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Weekly Market Update 09/02/2014

by

S&P 500 Tops 2,000-May Slow Down
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

WEEKLY UPDATE – September 2, 2014

In This Issue

Quote Of The Week
Recipe Of The Week
Tax Tips
Golf Tip
Healthy Lifestyle
Green Living

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Despite volatility around geopolitical concerns and sluggish growth in Europe, U.S.
stocks had a phenomenal week, lifting the S&P 500 to a new record close, and giving
the index its best August performance since 2000.[1] For the week, the S&P 500 picked
up 0.75%, the Dow grew 0.57%, and the Nasdaq gained 0.92%.[2]
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

The Ukrainian crisis ratcheted up to a new level of tension as reports emerged that
Russian forces have actively invaded eastern Ukraine and are engaging local forces.
Although Russian and Ukrainian leaders met last week, the two sides appear more
fiercely opposed than ever. It’s hard to know how Russia’s ambitions in the region
will affect markets, but interruptions in gas supplies will not be good for Europe’s
economy.[3]
Investors got their second look at Q2 Gross Domestic Product (GDP) numbers and cheered
at the news that the economy grew 4.2% (upgraded from 4.0% in the initial estimate).
Even better, growth appears to be broad-based and spread among multiple sectors
of the economy.[4] This result indicates that the economic recovery is entering
a sustainable cycle of growth, where improvement in one area of the economy feeds
growth in another. Let’s hope so.
Looking ahead, the first week of September is packed with important data. Friday’s
August jobs report is especially critical because it could shed some light on the
timing of the Federal Reserve’s interest rate hikes. Investors will also have their
eyes glued to Thursday’s European Central Bank meeting, seeking a response to the
EU’s stalled recovery and dwindling economic hopes.
Geopolitical concerns around Ukraine, Syria, and Iraq will also likely continue
to dominate headlines, and volatility is to be expected. European leaders are considering
a fresh round of sanctions against Russia, which may cause volatility as investors
think about how sanctions may affect global growth.
All told, new record highs and low summer trading volume may transform into additional
volatility and more activity in coming weeks. Depending on how these variables play
out, a short-term pullback is also possible as investors take profits off the table.
This is simply the nature of the investor sentiment pendulum that swings between
optimism and pessimism, driving overall buying and selling activity. While we believe
that additional upside may be possible this year, we caution our clients to expect
periods of volatility as major events shift investor sentiment.
ECONOMIC CALENDAR:
Monday: U.S. Markets Closed for Labor Day Holiday
Tuesday: PMI Manufacturing Index, ISM Mfg. Index, Construction Spending
Wednesday: Motor Vehicle Sales, ADP Employment Report, Factory Orders, Beige Book
Thursday: International Trade, Jobless Claims, Productivity and Costs, ISM Non-Mfg.
Index, EIA Petroleum Status Report
Friday: Personal Income and Outlays, Chicago PMI, Consumer Sentiment
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Notes: All index returns exclude reinvested dividends, and the 5-year and 10-year
returns are annualized. Sources: Yahoo! Finance and Treasury.gov [http://r20.rs6.net/tn.jsp?t=bsw4vsrab.0.0.ekybvaeab.0&id=preview&r=3&p=http%3A%2F%2Fwww.treasury.gov%2FPages%2Fdefault.aspx].
International performance is represented by the MSCI EAFE Index. Corporate bond
performance is represented by the DJCBP. Past performance is no guarantee of future
results. Indices are unmanaged and cannot be invested into directly.
HEADLINES:
Personal income rises, but household spending falls.Personal income – defined as
income from wages, investments, and other taxable sources – grew in July, following
an increase in June. Despite the increase, Americans pared back their spending,
preferring to bank their extra cash rather than go shopping. This reluctance could
indicate a lack of confidence in their prospects.[5]
Consumer sentiment ticks upward. An August survey of consumer sentiment grew on
the back of increased optimism about jobs and increasing wealth. However, most of
the positivity was in the upper income segments, indicating that lower-income Americans
may still be struggling.[6]
New home sales drop, again. July sales of newly built homes dropped for the third
month in a row. On the other hand, new home sales were 12.3% higher than in July
of 2013, indicating that momentum is still up over last year, which means that
a turnaround is still possible.[7]
Durable goods orders soar. Orders for long-lasting manufactured goods skyrocketed
by 22.6% in July. Though this is good news for the manufacturing sector, the surge
was largely driven by a spike in volatile aircraft orders, meaning the underlying
trend may soften next month.[8]
Gray [http://ui.constantcontact.com/sa/fwtf.jsp?m=1103828672836&a=1118392277569&ea=jcary@synergy-360.com&id=preview]
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Quote Of The Week
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

“Every child is an artist. The problem is how to remain an artist once he grows
up.”
- Pablo Picasso
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Recipe Of The Week
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Tangy Carrot & Apple Slaw
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Bring this delicious slaw to your next barbecue!
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Ingredients:
Serves 4
1/2 cup plain Greek yogurt or sour cream
2 tablespoons white wine vinegar
1 tablespoon stone ground mustard
1/2 teaspoon ground cumin
Kosher salt and black pepper
3/4 pound large carrots (2 to 3), peeled
2 Granny Smith apples, halved and cored
1/2 cup golden raisins
1/4 cup chopped cilantro
1/4 cup slivered almonds
Directions:

1. Mix together the yogurt, mustard, vinegar, cumin, a pinch of salt, and a pinch
of black pepper to make a tangy dressing.
2. Using a box grater or the shredding disk of a food processer, shred the carrots
and apples into a bowl. Add the raisins and chopped cilantro.
3. Pour the dressing over the shredded mixture and toss to combine. Scatter the
almonds over the top and serve.
Recipe adapted from Kate Merker | RealSimple.com[9]
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Tax Tips
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Back-to-College Tax Tips
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If you, your spouse, or a dependent is heading off to college, there are some important
tax-saving tips you should know about. Here’s what the IRS says:

* The American Opportunity Tax Credit can save you up to $2,500 annually, and applies
for the first four years of higher education. 40% of the AOTC is refundable, which
means you may be able to get up to $1,000 of the credit as a refund, even if you
don’t owe any taxes.
* The Lifetime Learning Credit allows you to claim up to $2,000 on your federal
tax return for an eligible student. Unlike the AOTC, the LLC has no limit on the
number of years you can claim the credit.
* Keep in mind that you can claim only one type of education credit per student
on your federal tax return each year. So, if you have two students in your household,
you can claim the AOTC for one, and claim the LLC for the other.
* Only qualified education expenses can be used to calculate credits, such as tuition,
fees, and other related expenses. The student must also be attending an eligible
institution, which is generally any degree-granting institution beyond high school.
Consult a qualified tax expert to learn about the additional rules governing eligible
fees and education credits.
For more information about education tax credits and other college-related tax issues,
consult a qualified tax expert or check out Publication 970, Tax Benefits for Education
on IRS.gov.
Tip courtesy of IRS.gov[10]
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Golf Tip
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Keep Your Head Steady for Better Putting
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

According to Paige McKenzie, LPGA, averaging fewer than 30 putts per round puts
you at the top of your short game. If you’re having trouble getting there, you might
be making the mistake of “steering” your putts with your eyes, instead of keeping
your body square and your head still during the shot. Practice staying in posture
instead of opening yourself up as in other shots.
Tip courtesy of Paige MacKenzie, LPGA | Golf Tips Mag[11]
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Healthy Lifestyle
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Take Control of Your Blood Pressure
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Two recent studies have found that patients who were able to monitor their own blood
pressure at home had better results after one year than those who only relied on
doctor’s visits. Under a doctor’s guidance, consider the following home remedies
to lower blood pressure.

* Drinking hibiscus tea has been found to lower blood pressure. A Tufts University
research team discovered that participants who drank three cups of tea per day had
significantly lower blood pressure than the control group.
* Check sodium levels when eating out. Restaurant meals can contain very high levels
of sodium, so be sure to ask the kitchen for recommendations for a low-sodium diet.
* High-cocoa dark chocolate – specifically in the 50-70% cocoa range – can help
lower blood pressure. Just a square a day was found by a Harvard Medical School
study to particularly benefit patients with hypertension.
Tip courtesy of AARP[12]
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Green Living
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Green Up Your BBQ
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Backyard barbecues are a wonderful way to enjoy the weather and change up the dinner
party scene. Here are a few ways to keep your next grill out green and waste-free:

* Use greener fuel options. Whenever possible, stick to propane or cleaner-burning
natural lump charcoal. Briquettes are full of additives and petroleum products that
come with a hefty carbon footprint.
* Use locally raised vegetables and meats. Consider heading to your local farmers
market or locavore grocery to reduce the distance your food has to travel to your
plate.
* Forget disposable dishes. While picnics and barbecues can seem like a great excuse
to skip dish duty, disposables add a lot of waste to your local landfill. If you
won’t part from one-use dishware, consider using a brand made from recycled or
low-impact materials.
Tip courtesy of The Nature Conservancy[13]
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~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

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~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Investing involves risk including the potential loss of principal. No investment
strategy can guarantee a profit or protect against loss in periods of declining
values.

Diversification does not guarantee profit nor is it guaranteed to protect assets.

The Standard & Poor’s 500 (S&P 500) is an unmanaged group of securities considered
to be representative of the stock market in general.

The Dow Jones Industrial Average is a price-weighted average of 30 significant stocks
traded on the New York Stock Exchange and the NASDAQ. The DJIA was invented by Charles
Dow back in 1896.

The Nasdaq Composite is an index of the common stocks and similar securities listed
on the NASDAQ stock market and is considered a broad indicator of the performance
of stocks of technology companies and growth companies.

The MSCI EAFE Index was created by Morgan Stanley Capital International (MSCI) that
serves as a benchmark of the performance in major international equity markets as
represented by 21 major MSCI indexes from Europe, Australia and Southeast Asia.

The Dow Jones Corporate Bond Index is a 96-bond index designed to represent the
market performance, on a total-return basis, of investment-grade bonds issued by
leading U.S. companies. Bonds are equally weighted by maturity cell, industry sector,
and the overall index.

The S&P/Case-Shiller Home Price Indices are the leading measures of U.S. residential
real estate prices, tracking changes in the value of residential real estate. The
index is made up of measures of real estate prices in 20 cities and weighted to
produce the index.

The 10-year Treasury Note represents debt owed by the United States Treasury to
the public. Since the U.S. Government is seen as a risk-free borrower, investors
use the 10-year Treasury Note as a benchmark for the long-term bond market.

Google Finance is the source for any reference to the performance of an index between
two specific periods.

Opinions expressed are subject to change without notice and are not intended as
investment advice or to predict future performance.

Past performance does not guarantee future results.

You cannot invest directly in an index.

Consult your financial professional before making any investment decision.

Fixed income investments are subject to various risks including changes in interest
rates, credit quality, inflation risk, market valuations, prepayments, corporate
events, tax ramifications and other factors.

These are the views of Platinum Advisor Marketing Strategies, LLC, and not necessarily
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1 http://www.cnbc.com/id/101957595 [http://r20.rs6.net/tn.jsp?t=bsw4vsrab.0.0.ekybvaeab.0&id=preview&r=3&p=http%3A%2F%2Fwww.cnbc.com%2Fid%2F101957595]
2 http://goo.gl/JPLzcv [http://r20.rs6.net/tn.jsp?t=bsw4vsrab.0.0.ekybvaeab.0&id=preview&r=3&p=http%3A%2F%2Fgoo.gl%2FJPLzcv]
3 http://www.cnbc.com/id/101957088 [http://r20.rs6.net/tn.jsp?t=bsw4vsrab.0.0.ekybvaeab.0&id=preview&r=3&p=http%3A%2F%2Fwww.cnbc.com%2Fid%2F101957088]
4 http://www.forbes.com/sites/samanthasharf/2014/08/28/u-s-gdp-grew-4-2-in-the-second-quarter-2013-up-from-first-estimate/
[http://r20.rs6.net/tn.jsp?t=bsw4vsrab.0.0.ekybvaeab.0&id=preview&r=3&p=http%3A%2F%2Fwww.forbes.com%2Fsites%2Fsamanthasharf%2F2014%2F08%2F28%2Fu-s-gdp-grew-4-2-in-the-second-quarter-2013-up-from-first-estimate%2F]
5 http://www.businessinsider.com/personal-income-and-outlays-august-29-2014-8 [http://r20.rs6.net/tn.jsp?t=bsw4vsrab.0.0.ekybvaeab.0&id=preview&r=3&p=http%3A%2F%2Fwww.businessinsider.com%2Fpersonal-income-and-outlays-august-29-2014-8]
6 http://www.usnews.com/news/business/articles/2014/08/29/us-consumer-sentiment-improves-a-bit-in-august
[http://r20.rs6.net/tn.jsp?t=bsw4vsrab.0.0.ekybvaeab.0&id=preview&r=3&p=http%3A%2F%2Fwww.usnews.com%2Fnews%2Fbusiness%2Farticles%2F2014%2F08%2F29%2Fus-consumer-sentiment-improves-a-bit-in-august]
7 http://www.forbes.com/sites/erincarlyle/2014/08/25/new-home-sales-drop-again-in-july/
[http://r20.rs6.net/tn.jsp?t=bsw4vsrab.0.0.ekybvaeab.0&id=preview&r=3&p=http%3A%2F%2Fwww.forbes.com%2Fsites%2Ferincarlyle%2F2014%2F08%2F25%2Fnew-home-sales-drop-again-in-july%2F]
8 http://www.reuters.com/article/2014/08/26/us-durable-goods-idUSKBN0GQ14720140826
[http://r20.rs6.net/tn.jsp?t=bsw4vsrab.0.0.ekybvaeab.0&id=preview&r=3&p=http%3A%2F%2Fwww.reuters.com%2Farticle%2F2014%2F08%2F26%2Fus-durable-goods-idUSKBN0GQ14720140826]
9 http://www.realsimple.com/food-recipes/browse-all-recipes/carrot-apple-raisin-slaw-recipe-00000000031515/index.html/
[http://r20.rs6.net/tn.jsp?t=bsw4vsrab.0.0.ekybvaeab.0&id=preview&r=3&p=http%3A%2F%2Fwww.realsimple.com%2Ffood-recipes%2Fbrowse-all-recipes%2Fcarrot-apple-raisin-slaw-recipe-00000000031515%2Findex.html]
10 http://www.irs.gov/uac/Newsroom/Back-to-School-Tax-Credits [http://r20.rs6.net/tn.jsp?t=bsw4vsrab.0.0.ekybvaeab.0&id=preview&r=3&p=http%3A%2F%2Fwww.irs.gov%2Fuac%2FNewsroom%2FBack-to-School-Tax-Credits]
11 http://www.golftipsmag.com/instruction/short-game/quick-tips/keep-a-steady-head-best-of-2014.html#.VAL-ELySxsI
[http://r20.rs6.net/tn.jsp?t=bsw4vsrab.0.0.ekybvaeab.0&id=preview&r=3&p=http%3A%2F%2Fwww.golftipsmag.com%2Finstruction%2Fshort-game%2Fquick-tips%2Fkeep-a-steady-head-best-of-2014.html%23.VAL-ELySxsI]
12 http://blog.aarp.org/2014/08/29/7-ways-to-lower-your-blood-pressure-naturally/
[http://r20.rs6.net/tn.jsp?t=bsw4vsrab.0.0.ekybvaeab.0&id=preview&r=3&p=http%3A%2F%2Fblog.aarp.org%2F2014%2F08%2F29%2F7-ways-to-lower-your-blood-pressure-naturally%2F]
13 http://www.nature.org/greenliving/gogreen/everydayenvironmentalist/green-your-summer-bbq.xml
[http://r20.rs6.net/tn.jsp?t=bsw4vsrab.0.0.ekybvaeab.0&id=preview&r=3&p=http%3A%2F%2Fwww.nature.org%2Fgreenliving%2Fgogreen%2Feverydayenvironmentalist%2Fgreen-your-summer-bbq.xml]
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

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~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Jerry Cary
Synergy 360
101 West Ohio Street
Suite 2000
Indianapolis,IN46204
317-388-1817
jcary@synergy-360.com

http://www.synergy-360.com

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