H C Murray Corp. Newsletter
November 2009
Hoyt C. Murray, CLU, ChFC
6133 Rockside Rd., #405, Independence, OH 44131
216-525-7280, 216-525-7286 (fax)
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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.
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.
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Products & Services
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Life & Disability Insurance Planning
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Corporate Benefit Planning
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Business Succession Planning
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Estate Planning
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Retirement Planning
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Long Term Care Planning
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Property & Casualty Insurance Protection
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Health Insurance Protection
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...happiness gives us the energy which is the basis of health. Henri-Frédéric Amiel
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| Contact Us
H.C. Murray Corp.
6133 Rockside Road, Suite #405
Independence, OH 44131
216-525-7280
216-525-7286 fax
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Greetings!
We hope you find our November newsletter enjoyable and informative. |
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Five Ways To Protect Your Information Online
We all know it's important to keep information like Social Security, bank account and credit card numbers out of the hands of people who would misuse it. But how do we do this when we shop, communicate and pay bills online every day?
1. Keep your security software current - Safeguard your computer and operating system by ensuring you have the latest anti-virus and anti-spyware software installed.
2. Stay on top of updates - Reputable software firms continually update their software to ensure the highest levels of security. Be diligent about responding to these updates.
3. Activate security features - These include pop-up blockers and other features provided in the range of products you use.
4. Set up a firewall - Make sure your personal computer and home network are properly protected from the hazards of internet connectivity. Check to see the firewall has been properly installed - or turned on if it came bundled with your operating system.
5. Create smart passwords - Make them hard for others to guess. Use combinations of numbers and letters. Avoid using the same password for multiple websites, particularly when those sites are financial.
6. Think before you click - Avoid clicking on pop-up ads, downloading information from unknown sites and clicking on links in e-mails from unknown sources.
7. Skip the use of sketchy computers - Access financial and other sensitive personal information online using a known device, such as your personal computer, with the necessary protections and security features in place.
8. Be wireless-wise - Follow the manufacturer's security recommendations when setting up a home network to ensure it is properly encrypted. Contact the manufacturer for assistance if you have questions.
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Year End Tax Moves to Make Now. Right Now
There's plenty to distract you from financial planning this time of year, from cheering on your favorite football team to daydreaming about Thanksgiving dinner. But you don't want to let some end-of-year deadlines slip by without taking steps to minimize taxes and maximize savings. Especially in this economic climate, a little extra cash can go a long way.
And there's more cash on the table than usual this year. The government's stimulus package is loaded with incentives to motivate people to make certain big-ticket purchases -- but the deals will run out soon.
So if you were thinking of buying a car or appliance, it might make sense to move those purchases up a few months.
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November is National Long-Term Care Awareness Month
If you can afford long-term care insurance, you should probably consider it. Why? Because the cost of long-term care, should you need it, can quickly deplete your life's savings. For instance, having a home health aide visit just three days a week can cost more than $20,000 annually. Full-time nursing home care, the most expensive type of care, now averages $69,000 to $78,000 per year. In some regions of the country, like the Northeast, the cost may be twice that amount.
While financial considerations cannot be understated, long-term care insurance isn't only about money. It's also about peace of mind. Having it ensures you'll have access to first-rate care when you need it. It also means you won't have to be dependent on others or be a burden to your children.
Learn More from the following:
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Frustrated with "Low Interest" Rates?
