"Money Matters" Electronic Newsletter Fall 2003 - Edition 3

Welcome! To the On-line Edition of my Monthly Newsletter. I sincerely hope you find the information here both interesting and informative. Most of the articles contained in this newsletter and archive have been carefully researched, prepared and written by the Consumer Affairs Dept. of the Institute of Certified Financial Planners and the Financial Planning Association. Others are written by Nigel Brian Taylor, freelance writer and are contained on a separate site, see the hyperlink disclaimer below• These on-line articles are provided to you as a public service and are designed to provide general, not specific information. Nothing in these articles shall be construed as an offer to sell or a solicitation to buy any type of regulated securities or insurance products. Before reading any of the articles in my newsletter, please read my comprehensive consumer information statement and disclaimer.

Featured Articles This Month: (Please click on the icon) YEAR-END TAX STRATEGIES FOR MAKING ESTIMATED PAYMENTS: Making accurate estimated tax payments for income not covered by employer withholding can easily be overlooked or miscalculated. But you can eliminate or reduce potential penalties by making some adjustments before the end of the year. ARE YOU DREADING YOUR ANNUAL PORTFOLIO REVIEW?: For many investors, the thought of reviewing the performance of their portfolio over the past year is about as appealing as having to go down to the basement to investigate the source of that foul smell TAX RULING MAY HELP EARLY RETIREESPRESERVE BATTERED RETIREMENT ACCOUNTS: The Internal Revenue Service (IRS) has issued a ruling that may help early retirees preserve the assets in their retirement accounts battered by the bear market. But not all early retirees may want to take advantage of the offer. Separately, Nigel Brian Taylor is also a Freelance writer who regularly publishes opinions regarding the politics of financial planning and other financial planning related topics. At this personal web site you can read articles on how to check up on your financial planner, controversies surrounding fee-only vs. commissions and whether fee-only planning is such a good idea for all Americans, or read about the illegal activities of some fee-only planners in insurance etc. Informative and compelling, you can visit this personal web site by CLICKING HERE. When you link to this web site you are leaving this site so please read the hyoerlink disclaimer below.* SCAMS ARE ON THE INCREASE: Two of the most commons scams are telemarketing scams and charity scams. Learn how to protect yourself and particularly your aging parents and relatives by reading these articles.   IDENTITY THEFT: A problem of our time. White collar criminals steal your identity and suddenly your life is turned upside down. The calls from Creditors are driving you carzy and they just don't want to believe that you have never had an account with them. How can you protect yourself from thieves who are hell bent on ruining your life? Here's some help in the form of a fantastic article, reporduced with the permission of the Federal Trade Commission. VISIT THE NEWS ARCHIVE: featuring other articles of interest from January 1999 through Summer 2003

* The information being provided is strictly as a courtesy. When you link to any of the web sites provided herewith, you are leaving this site. Taylor & Associates and Royal Alliance, Inc. make no representation as to the completeness or accuracy of the information provided at this site. Nor are the companies liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third party technologies, sites, information and programs made available through this site. You are now leaving the website of Taylor & Associates and you assume total responsibility and risk for your use of the site you are linking to.