BUILD AMERICA BONDS 6.10% to 6.12%
Taxable Municipal Bonds
When you buy a Build America Bond (BAB), you’re lending money to municipalities to fund new capital programs, such as roads, schools and hospitals.
Let BABs provide you with the opportunity to diversify your taxable income.
Yield effective 02/14/2011, subject to availability and price change. Yield and market value may fluctuate if sold prior to maturity, and the amount received from the sale of these securities may be less than the amount originally invested. Before investing in Build America Bonds, you should understand the risks involved, including interest rate risk, credit risk and market risk. Bond investments are subject to interest rate risk such that when interest rates rise, the prices of bonds can decrease and the investor can lose principal value. Lower-rated bonds are subject to greater fluctuations in value and risk of loss of income and principal. The value of bonds fluctuates, and you may lose some or all of your principal. Any bonds called prior to maturity result in reinvestment risk for the bond owner.
Yield eff ective [00/00/00], subject to availability and price change. Yield and market value may fl uctuate if sold prior to maturity, and the amount received from the sale of these securities may be less than the amount originally invested. Before investing in Build America Bonds, you should understand the risks involved, including interest rate risk, credit risk and market risk. Bond investments are subject to interest rate risk such that when interest rates rise, the prices of bonds can decrease and the investor can lose principal value. Lower-rated bonds are subject to greater fl uctuations in value and risk of loss of income and principal. The value of bonds fl uctuates, and you may lose some or all of your principal. Any bonds called prior to maturity result in reinvestment risk for the bond owner.
The Build America Bond program is a product of the American Recovery and Reinvestment Act 2009. The payment of principal and interest to bondholders is the obligation of the issuer and not an obligation of the U.S. government. Build America Bonds are subject to federal taxation, and state taxation is determined by the individual state.
To learn whether BABs make sense for you, call or stop by today.
Bill Boughton, AAMS® Financial Advisor
.
61 Weaver Boulevard Weaverville, NC 28787 828-645-0341
www.edwardjones.com Member SIPC
Financial Focus Brush up on your estate plan basics
During your lifetime, you make
a lot of moves to provide financial security to your loved ones. You put away money for college for your young children. You save and invest for your own retirement so that you won’t ever burden your grown children with significant expenses. And you purchase ade- quate life insurance to enable your family to maintain its lifestyle should anything happen to you. Yet, if you’re going to help preserve your family’s financial well-being after you’re gone, you also need to take one additional step: Create an estate plan. Toward that end, you’ll want to
start by learning a few of the es- tate plan basics, such as these com- monly used tools: • Will — For most people, a
will is probably the most essential estate-planning document. Re- gardless of the size of your estate, you need a will to ensure that your assets and personal belongings will be distributed according to your wishes. If you die intestate (with- out a will), your belongings will be distributed to your “heirs” as defined by state laws — and these distributions may not be at all what you had in mind.
• Living trust — A simple will
may not be sufficient for your needs. Consequently, you may want to design a living trust, which provides you with more flexibility in distributing assets. For example, you could direct your living trust to disperse assets to your children or grandchildren at specific ages. Also, a living trust makes it possi- ble for your assets to be distributed without going through the often time-consuming, and public, pro- bate process. • Beneficiary designations —
Over time, your life may change in many ways, through marriage, remarriage, children, stepchildren and so on. Tat’s why it’s impor- tant to periodically update your beneficiary designations on your insurance policies and retirement accounts, such as your IRA and 401(k). Tese designations are powerful and can even supersede the instructions left in your will or living trust, so it’s essential that you’ve got the right people listed as your beneficiaries. • Irrevocable life insurance trust
— Depending on the size of your estate, your heirs may ultimately have to pay estate taxes, though the estate tax laws have been in flux in
recent years, and may continue to evolve. If estate taxes are a con- cern, you may want to take steps to alleviate them, such as establishing an irrevocable life insurance trust, under which you’d transfer a life insurance policy out of your estate and have the trust distribute the proceeds to the beneficiaries you’ve chosen. • Power of attorney — A power
of attorney allows you to appoint a person (an “Attorney-in-Fact” or “Agent”) to handle your affairs if you can’t do so yourself. • Health care directive — A
health care directive allows you to name someone to make health care decisions on your behalf, should you become physically or mentally incapacitated. Estate planning can be complex,
so you’ll need to work with your tax, legal and financial advisors to make the arrangements that are appropriate for your needs. It may take some time to develop your es- tate plans, but it’s well worth the effort.
Tis article was written by Ed-
ward Jones for use by Bill Bough- ton, Weaverville’s local Edward Jones financial advisor.
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2001 Ford Mustang Coupe $5,999
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2001 GMC Sierra 1500 SLE Ext. Cab 4-Door Short Bed 2WD $9,499
2009 Subaru Forester 2.5X $14,999
2004 Honda Accord EX Sedan with Leather $8,999
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24 THE TRIBUNE/LEADER - February 24 - March 2, 2011
Mon - Fri 9:00 am - 5:00 pm; Sat - 9:00 am - 3:00 pm; Closed Sunday. Open After Hours By Appointment Only
WWW.SKYAUTOHAUS.COM www.weavervilletribune.com
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