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HC Murray Corp Newsletter |
April 2010
Insurance & Financial Services
6133 Rockside Road, Suite #405, Independence, OH 44131
Phone: 216-525-7280 Fax: 216-525-7286
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Subsidary of HC Murray Corp
www.lifeprotectionusa.com |
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About Us |
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H.C. Murray Corp. was established in 1980 as an independent insurance agency.
Since H.C. Murray Corp. is an independent firm, we offer several types of coverage from a wide variety of companies. This allows us to focus on providing you with the right amount of insurance and the right type of coverage for your needs. |
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Products & Services
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Life Insurance
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Annuities
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Disability Insurance
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Health Insurance
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Long-Term Care Insurance
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Property & Casualty Insurance
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Corporate Benefits Planning
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Business Succession Planing
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Estate Planning
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Hoyt C. Murray, CLU, ChFC
HC Murray Corp.
6133 Rockside Rd.
Suite #405
Independence, OH 44131
Phone: 216-525-7280
Fax: 216-525-7280
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Sandy,
We are pleased to present you with our April 2010 newsletter. We hope you will find the articles informative and enjoyable. Please feel free to contact us with your questions and comments.
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IN THE NEWS-The Cleveland Clinic's Delos Cosgrove
What Fans of Health-Care Reform Can Learn From the Famous Hospital's Chief Executive.
(Fortune Magazine) -- Health-care reformers should study up on the Cleveland Clinic, and they know it. President Obama, who toured the clinic last July, has praised it for providing "the highest-quality care at costs well below the national norm."
It's easy to be impressed: The clinic is one of the world's most highly regarded medical centers. Patients have included King Khalid of Saudi Arabia, the Prince of Wales, billionaire Al Lerner, Oprah Winfrey, Jack Nicklaus, and many others who could afford to go anywhere. It is always near the top of U.S. News & World Report's annual rankings of America's best hospitals, and in cardiac care it has ranked No. 1 for the past 15 years.
Much credit goes to its CEO since 2004, Dr. Delos Cosgrove, known as Toby. An Air Force surgeon in Vietnam, he spent most of his career doing heart surgery at the clinic and has performed over 22,000 operations.
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Which Financial Records to Keep, Which to Toss
For many of us, tax season is a time when we go through piles of credit card receipts, pay stubs, utility bills and medical statements. We worry about throwing away documents that we may need at some point.
As follows is a suggested list as to how long to keep personal finance and investment records:
Copies of Tax Returns:
Keep copies along with supporting documents for 7 years. The IRS has three years to find good-faith errors, but they have six years to cite you for under-reporting income.
Credit Card Statements:
Shred them as soon as your payment is posted UNLESS your statement contains: Charitable contributions (6 years), mortgage or insurance payments (as long as you own your home), major purchases like cars, computers or expensive electronics (for home insurance and warranty records).
Bank Statements:
Basically, the same as credit-card statements. You can shred monthly bank statements as soon as you've checked them over for accuracy. But keep records of cancelled checks related to charity, insurance and mortgage payments, or other tax-related items like checks to the IRS.
Utility Bills:
Shred after your payment is posted. However, if you take the home office deduction on your tax return, keep them for seven years.
Brokerage Statements:
Keep until you sell the security and report the gain/loss. You can shred quarterly statements once you're sure they match your yearly summary statement.
IRA Statements:
Keep until you withdraw funds. However, you don't need to keep the quarterly statements once you're sure the info matches the yearly summary statement. |
| Tax Tool
Caught by surprise when filing your federal tax return this year? Use this great tax tool to help in your planning for 2010.
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| Rates Subject to Change Without Notice |
| CD Rates in Cleveland, OH from bankrate.com week of March 31, 2010
Product Institution Rate CM APY Min Deposit
1 Yr CD Third Federal S&LA 1.19 Q 1.20 $500
1 Yr CD National City Bank 0.65 Q 0.65 $2500
1 Yr CD Charter One Bank 0.40 Q 0.40 $1000 | |
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