The View Looks Good From Here

February 5th, 2013

By the time you read this, we will have climbed the fiscal cliff, looked out over the ledge and, well… who knows?

At the time of this writing, our nation’s leaders were still debating the pros and cons of tax increases, budget cutting and fiscal planning. At Adams Dairy Bank we debated the value of an article about our economic future with so much still undecided. But the truth is, the best way to face uncertainty is with deliberate action.

So, with a view from atop the fiscal cliff, we offer some sound advice for 2013.

Let’s all make a New Year’s resolution to take charge of our financial well-being. Let’s get in shape, physically and figuratively. By being proactive and deliberate in managing our finances, we can avoid uncertainty and feel better about the future.

Start Now

There’s no better time than now to take charge of your financial well-being. It’s January, a natural time to start-over, renew and refresh. But it’s also just a few short months until April 15th. So don’t delay and start now. There are still plenty of things you can do to impact your 2012 tax liability.

Consider opening an IRA account at Adams Dairy Bank. Consult with your tax advisor early and if you would benefit from deferring income through an IRA, come see us. We’ll be happy to help you set up an FDIC-insured savings plan.

No Roller Coaster Ride

As debate rises over the impact of the fiscal cliff, we might all just feel like we’ve jumped off a cliff. The stock market will likely take a roller coaster ride as news of Washington’s progress, or lack of progress, makes investors nervous.

Want to eliminate the upset stomach that comes with the ups-and-downs of the stock market? Consider getting off the ride for a little while.

As investors go to the sidelines to wait out economic uncertainties, they often forget the advantages traditional banks offer. FDIC-insured accounts are the best place to protect yourself from stock market volatility, both short- and long-term.

Money Market Accounts, Certificates of Time Deposit and Individual Retirement Account Certificates of Time Deposit are just some of the money savings instruments available to you at the bank. Each provides different features and benefits, and all can provide a safe respite from the uncertainty of the stock market.

Only 355 Days until Christmas

Well, give or take a few days, depending on when you read this article.

If you found yourself sharing a little too much Christmas cheer this year, you might be facing some unexpected bills left over from your holiday shopping. Nobody likes to start a New Year with bills or debt.

Take charge of next year’s holiday spending by opening an Adams Dairy Bank Christmas Club account. You can start saving now for next season without worry or anxiety. A Christmas Club account is the easiest way to save today and reduce your economic uncertainty in the future.

A Cup of Coffee

Still feeling a little uneasy about your economic future? Not quite sure how to improve your own financial well-being? A simple cup of coffee might be the perfect cure.

Give us a call and make an appointment to come by the bank for a cup of coffee. Let’s talk about 2013, and together, let’s enjoy the view from up here.