Newspaper Archive of
Jewell County Record
Mankato, Kansas
February 6, 2003     Jewell County Record
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February 6, 2003

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RECORC EdwardJenes Serving Individual Investors Since x871 ?heatre. canna lwin Cit) )r. Sly and trd. lday allen were ted John's were e was Passage ):19-31. to t the church I1, n Koops to: Robin 1 Rich 'b. 3; Aura Feb. 7. : beef and ~mmunity ld family i and Brandon lssell and t :lonllene~I k iS looki4 l 'er 93rd bl I ,lcorn, M4'I~ ttle Rock,| t almost o iaHold="t t ns of MoI~ I ing trips ~, I Beloit t5 ~o anol .=1 to Ilion Feed The ~ent A An investor's guide to lower taxes Roger Ratliff Investment Representative 120 West Kansas PO Box 281 Smith Center, KS 66967 (785) 282-3232 (800) 440-3925 Toll-free (785) 282-6219 Fax D V E R T I S E M E N T Reduce your taxes "I'm proud to be paying taxes in the United States. The only thing is -- I could be just as proud for half the money." < Aahur Godfrey The sentiment expressed in the preceding quote is as true today as it was decades ago. Most of us feel the same way; if we could reduce our taxes, we would. You may not be able to reduce the taxes you pay on your wages, but you can reduce taxes on your investment income. " Free #ourself from taxes Buyand hold for lower taxes Tax-free balance for your _portfolio Make _ Here are three sim~ideas that can help reducff-your tax MII: I Invest fdr tax-exempt income. Municipal bonds, for example, pay interest that is exempt from federal income tax and, in some cases, state taxes, as well. This can be especially advantageous if you pay high state income taxes. You can actually earn more spendable income from a tax-free bond than from a comparable taxable bond with a higher interest rate. Some tax-free bonds may be subject to the alternative minimum tax. on more to your heirs Invest in a retirement plan. Investing in an employer- sponsored retirement plan, such as a 401(k), is probably one of the best ways to defer income tax. Plus, contributions to the plan are deducted from your taxable income, so you're not taxed on what you contribute. If you do not have a qualified plan at work, you can still contribute to an individual retirement account (IRA). In addition to the current tax savings offered by these plans, contributions and earnings grow tax-deferred until ~thdrawn." Invest in a tax-deferred annuity, another option for retirement savings. Although an investment in an annuity is not tax-deductible, your earnings grow tax-deferred until you begin withdrawing" money. Unlike with IRAs and employer plans, there are no limits on annual annuity contributions. rats? .1 tsured ' , To learn more about sound investment strategies that offer tax relief, call your local Edward Jones investment representative. *If you need to make a withdrawal from an IRA and you am younger than 59~, you may be subject to a 10 percent IRS penalty on the earnings. ~tf you need to make a withdrawal from an annuity, any accumulated earnings are taxable at the time of the w+thdrawal. In+ addition to income taxes, you also may be subject to a surrender charge by the issuing insurance company, and if you are younger than 59~A, you may be subject to a 10 percent tRS penalty on the earnings. Better borrowing from Edward Jones If this tax season brings a tax bill, big or small, Edward Jones has options for making that payment easy on you. Of course, our convenient borrowing solutions are available for any borrowing .need at any time of the year. ~frm~ securities and can increase your credit line by consoli- dating additional investments into your Edward Jones account. "Write Your Own Loan" checks provide you with the fastest and most yoh own, so let Edward Jones Mortgage" show you what a home equity loan or line of credit can do for you. We offer a wide range of flexible terms and payment options, and the potential tax convenient way !o access benefits of tapping into your your Personal Line of Credit. home's equity can make it You'll love the convenience; even more advantageous. Not only do your investments .............. a contribute to your net worth, they provide you with an immediate and completely to learn more. confidential Personal Line of Credit: You can typically borrow up to 50 percent of the value Of your eligible The experts at Edward Jones are just a phone call away to provide you advice on getting the most out of your home. Contact Edward Jones Mortgage at888-304-9242. *Our line of be If the value of lbe loans in New Hampshire under License Banking Licensed Mortl~ge Banke~. Hon~ A. ,ights resenmd. Save this in_s-,..,'t until Anril 15. 2003