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So far info@northlightfinancialservices.com has created 310 blog entries.

Taxes and Charitable Giving

You don’t need to be wealthy to make an impact and get a win-win. Do you have to make a multimillion-dollar gift to a charity to receive immediate or future financial benefits? No. If you’re not yet a millionaire or simply a “millionaire next door,” yet want to give, consider the following options which may bring you immediate or future tax deductions. Partnership gifts. These gifts are made via long-term arrangements between donors and recipient charities or non-profits, usually with [...]

By |2017-03-28T08:17:28-04:00September 18th, 2013|Charitable Giving, Estate Planning, Personal Finance|Comments Off on Taxes and Charitable Giving
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Implications of Rising Mortgage Rates

Implications of Rising Mortgage Rates Are they threatening the recovery? Or is their effect overstated? Between early May and mid-July, the average interest rate on the 30-year fixed-rate mortgage rose about 1%. Rates on 30-year FRMs have basically held steady since hitting a peak of 4.51% in Freddie Mac’s July 11 Primary Mortgage Market Survey – in the August 15 edition, they averaged 4.40% – but they could rise dramatically again.1,2 When mortgages become a bit costlier, things can get [...]

By |2017-03-28T08:17:28-04:00September 5th, 2013|Business/Economic News, Personal Finance|Comments Off on Implications of Rising Mortgage Rates
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How Much Health Care Reform Will We See By 2014?

How Much Health Care Reform Will We See By 2014? Can the federal government follow through on its ambitions? In 2014, we were supposed to see profound health care reform per the 2011 Affordable Care Act – but how much of that reform will roll out on time? The federal government has already conceded that it can’t enforce the employer mandate portion of the Affordable Care Act by 2014. On July 2, the Obama administration gave businesses with 50 or [...]

By |2017-03-28T08:17:28-04:00August 22nd, 2013|Business/Economic News, Congress, Health Insurance|Comments Off on How Much Health Care Reform Will We See By 2014?
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How Financial Planning Has Changed for Same-Sex Couples

How Financial Planning Has Changed for Same-Sex Couples Retirement & estate planning strategies are being greatly altered. When the Supreme Court affirmed the legality of same-sex marriage in June, its ruling profoundly altered the financial planning landscape for gay and lesbian couples – resulting in some “night and day” differences. Yet in looking at the financial “before and after,” same-sex spouses and their advisors must also consider the “when and where” – because the Supreme Court ruling only applies to [...]

By |2017-03-28T08:17:29-04:00August 8th, 2013|Estate Planning, Personal Finance, Social Sercurity Planning, Uncategorized|Comments Off on How Financial Planning Has Changed for Same-Sex Couples
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How Impatience Hurts Retirement Saving

How Impatience Hurts Retirement Saving Keep calm & carry on – it may be good for your portfolio. Why do so many retirement savers underperform the market? From 1993-2012, the S&P 500 achieved a (compound) annual return of 8.2%. Across the same period, the average investor in U.S. stock funds got only a 4.3% return. What accounts for the difference?1,2 One big factor is impatience. It is expressed in emotional investment decisions. Too many people trade themselves into mediocrity – [...]

By |2017-03-28T08:17:29-04:00July 25th, 2013|Investing, Retirement, Stock Market|Comments Off on How Impatience Hurts Retirement Saving
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Photo Credit

Thank you to Salmon Falls Photography in Plymouth for use of their lovely photo in our header!

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Disclaimer

Registered Representative, Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and North Light Financial Services are not affiliated. Cambridge does not offer tax advice. Office of Supervisory Jurisdiction: 46 Accord Park Drive / Norwell, MA 02061 Phone: 781-878-4063 Due to various state regulations and registration requirements concerning the dissemination of information regarding investment products and services, we are currently required to limit access of the following pages to individuals residing in states where we are currently registered: CA, FL, GA, HI, KY, IL, LA, MA, ME, NC, NE, NM, OR, RI, SC, TX, VT, WV. If we are not currently registered in your state please email us at info@northlightfinancialservices.com. We may be able to refer you to a representative in your area, or we may become registered in your state, at which time we could further discuss our services with you.

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