H C Murray Corp. Newsletter
January 2009
Hoyt C. Murray, CLU, ChFC
6133 Rockside Rd., #405, Independence, OH 44131
216-525-7280, 216-525-7286 (fax)
 
In This Issue
2009 Tax Digest
Where Do You Put Your "Safe Money"?
2009 Credit/Debt New Year's Resolutions
 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.

Whether you insurance needs are business, personal or both, we have a genuine interest in finding the right solution for you.  Our attention to detail and dedication to our customers have set us apart from the rest.

 
 
 

Products & Services

  • Life & Disability Insurance Planning
  • Corporate Benefit Planning
  • Business Succession Planning
  • Estate Planning
  • Retirement Planning
  • Long Term Care Planning
  • Property & Casualty Insurance Protection
  • Health Insurance Protection
 
 
Knowledge is the eye of desire and can become the pilot of the soul. Will Durant



Our Website
 

Five Tips for Finding the Right Advisor

Contact Us
H.C. Murray Corp.
6133 Rockside Road, Suite #405
Independence, OH 44131
216-525-7280
216-525-7286 fax
 
 
 
 
 
Happy New Year!
 
We would like to extend our warmest wishes to our clients and friends for a happy, healthy, prosperous new year! 
Taxes
 
For your consideration; a handy reference for 2009 tax information for the following:
 
  • Income Tax Rates and Deductions
  • Social Security
  • Health Savings Accounts
  • Retirement Plan Contribution/Benefit Limits
  • Eligible Long-Term Care Insurance Amounts
  • Estate, Gift and GST Taxes 
 
What's new in 2009 for Social Security?
 
 
 
Frustrated with Low Rates
 on Your CD?
 
 

Where Do You Put Your "Safe" Money?




 
 
Frustrated with Low Rates on Your CD? 
Consider a Fixed-Rate Annuity Contract!
4.75% One-Year Rate Gurantee
  • Return of Principal Guaranteed
  • 3% Miniumum Interest Guaranteed
  • Withdraw up to 10% of the account value once each year without any surrender charge
  • Interest grows Tax-Deferred
  • No Up-Front Sales Charges or Fees
  • No Limit on Contribution
  • Insurer rated A+ Superior by A.M. Best (as of October 2008)

Please call to learn more!

 

2009 Credit/Debt New Year's Resolutions
Have you been thinking about what you'd like to change for the New Year?  Most New Year's resolutions involve improving health or getting rid of a bad habit.  Don't forget about improving your financial health and your bad credit habits in the new year.  As you resolve to make some changes this year, add one or more of these credit/debt New Year's resolutions to your list.
 
  • Get Your Credit Report 
  • Clean Up Your Credit Report
  • Get Out of Debt
  • Repair Your Credit
  • Use Credit Wisely
  • Improve Your Credit Score
  • Learn More About Credit
  • Start an Emergency Fund
  • Pay Less Interest
  • Stop Paying Late Fees

Read More: Resolutions

 
 
Safe Unsubscribe
This email was sent to sandy@hcmurray.com by sandy@hcmurray.com.
HC Murray Corp. | 6133 Rockside Rd | Suite 405 | Independence | OH | 44131