RBC & Associates INC.

04/05/2016

Have you thought about the power of saving? What if you found ways to save $5 a day, for the next month. That’s $150. What if you did that for a year? That adds up to $1,825? What if found ways to save $5 a day for the next 20 years? You’d have an extra $36,000! Plus interest earned. Something to think about!

There are so many little ways to find savings here are some of my favorite easy ways to save!

Turn down the thermostat by two or three degrees.
Change your air filters once a month in the summer and winter.
Turn off lights when you leave the room.
Lower the hot water heater setting by five degrees.
Use a drying rack to dry clothes instead of the dryer.
Use less detergent in your dishwasher and washer (experiment to see how much you need to get things clean)
Stop renting movies (OnDemand or RedBox) and check them out from the library.
Check out your next book from the library instead of buying it.
Take advantage of Amazon’s free books on Kindle
You don’t need a kindle to read them.

Make a menu plan and stick to it.
Shop once a week for groceries. (Avoid going to the store for single item trips)
Avoid spending traps at the grocery store.
Bring your own reusable grocery bags to the store.
Use coupons.
Eat your leftovers.
Pack your lunch and your kid’s lunch for work and school.
Eat two meatless meals a week.
Eat more beans. (They’re good for you and cheap!)
Eat seasonal fruits and vegetables to save on produce.
Eat at home for Valentine’s Day.
Combine trips and avoid running errands unless it is necessary.
Use up all those old gift cards with small balances on them when you have to go out.
Sell your gift cards.
Sell items you don’t need on Craig’s List or eBay.
Buy items you need on Craig’s List of eBay.
Use services like ThreadUp or Wittlebee to purchase your children’s clothes.
When shopping online use sites like Savings.com or Ebates for additional discounts.
Swap babysitting with another family for a night out.
Stop eating out.
Use a Groupon, Restaurant.com gift certificate, or a coupon when dining out.
Stop drinking soda.
Cut out or reduce alcohol consumption.
Send an email instead of a letter. (I know, I know…)
Pay bills online.
Start a savings account and set up automatic deposits. Ally Bank and FNBO Direct are two of the highest rated according to an article on Get Rich Slowly.
Take the minimalist mom challenge.
Budget with cash this month and stop using your debit or credit card.
Take advantage of free activities in your area.
Exercise for fun instead of going out and spending money. (Bike rides, walks, trips to the park, etc)
Plant a garden to save on produce. (You probably won’t see savings until later in the year)
Make your own compost bin and compost to save on sewage/ garbage.
Plant periennal plants instead of annuals that don’t need to be replanted each year.
Use cash for purchases.
Ask the credit card company for a lower interest rate on balances.
Cancel phone bill extras like unlimited data or texting.
Cancel the phone and get Magic Jack or use your cell.
Ditch the expensive cell phone plan and go with a flat rate monthly plan. (Black Wireless has one for $25)
Search online using Swagbucks to earn gift cards.
Stop buying wrapping paper and wrap with recycled paper to save on wrapping paper.
Save on printer ink by purchasing it online and using recycled cartridges.

02/26/2016

02/13/2016

You can now book your appointment online, please visit http://rbconline.us

01/30/2016

We are open come see us for the best deal getting your taxes filed

01/01/2016

Schedule your appointment now for you tax filing please click the link above Accenting & taxPrep or click the link below . The month of January is by appointment only, the IRS is not accepting any E-Filed returns until January-14-2016. We can have you return ready to send the moment the IRS star’s accepting .

RBC

07/26/2014

Investors will have to wait until next week to see if the S&P 500 can finally top 2,000. Stocks fell broadly on Friday.
The S&P finished the day down about 0.5% The Dow fell almost 130 points, or more than 0.7%. Visa (V), which has the biggest weighting in the Dow, dragged down the blue chips with its 4% drop.

07/19/2014

NEW YORK, July 18 (Reuters) - LPL Financial, the largest U.S. independent broker-dealer by revenue, said on Thursday it added to its network the Chicago-based independent adviser group IHT Wealth Management, which was recently launched by a group of brokers from Merrill Lynch.

Firm president Steven Dudash started IHT on June 27 after resigning from Bank of America's Merrill Lynch, Pierce, Fenner & Smith, where he and his team of five advisers managed $592 million in client assets. The firm joined LPL's network the same day.

Boston-based LPL Financial, a subsidiary of parent company LPL Financial Holdings Inc, provides brokerage, clearing and other professional services to roughly 13,700 self-employed advisers and about 720 financial institutions.

IHT has six financial advisers targeting mass affluent clients with at least $250,000 of investable assets, as well as high net worth clients with $10 million in investable assets.

Though they launched with just a handful of advisers, Dudash said IHT will target financial advisers who are nearing retirement for its recruiting.

"I think we're going to be very attractive to retiring advisers and there are a lot of retiring advisers in our industry," Dudash said.

07/17/2014

Last Night, Elon Musk and Tesla Motors (TSLA) announced its long rumored third generation model would come out in 2017. Dubbed the Model III, it's smaller than the Model S and aimed squarely at the BMW 3-series.

The Model III is rumored to be priced at the all-important $35,000 base sticker. At this price Tesla Motors is shooting for big game here, where the Audi A4s, Mercedes C-classes, as well as the aforementioned 3-series battle for sport-luxury car supremacy.

While the announcement of a ‘Tesla for the rest of us’ is welcome news, whether this is a gamechanger for Tesla Motors remains to be seen.

“Tesla’s marking their turf here,” explains Jeff Macke in the attached video. “They’ve got their Model X coming out prior to this, which is an SUV-crossover type of thing. That’ll make a bigger mark on the market as a whole, but this is their attempt to go mainstream.”

In Macke’s mind, the $35,000 price range really is the automotive “holy grail” for electric cars. “Tesla is still a very niche-y little play, a tiny little luxury car concept basically,” he says. “Everyone’s still jockeying for position in this market, it’s obviously not penetrated at all, is this going to be the thing that pushed them over the top? I don’t know.”

Another big question is whether consumers will be able to let go of range anxiety in exchange for the coolness of a potential sub-$40,000 Tesla. However as Macke astutely explains about the consumer psyche, “it can’t be about cool or range anxiety, these are not iPods, it’s a car.” To go mainstream you need to have the utility of a car, and Macke believes Tesla Motors is on the right track by now offering a suite of products that can target any number of consumers, as well providing very car-like features. And let’s not forget about Musk’s aggressive plans for a network of “supercharger” stations from coast to coast, along with the concurrent creation of high-voltage chargers that are popping up around the country, which will likely quell any range concerns.

As for whether Macke will buy the Model III, he’s got his heart set on the purchasing the cross-over Model X instead. With a range of products soon on the way for every type of consumer, the mainstreaming of Tesla Motors is almost here.

07/17/2014

Global Information Storage and Management Provider Invests Over $3.5 Million in Kofax Software

07/17/2014

Starbucks opened its first store in Colombia on Wednesday, which means that after 43 years, the company will finally sell 100% locally-produced coffee.
"We're only serving Colombia coffee in the store; we've never done anything like that before," said Starbucks Chief Executive Officer Howard Schultz, speaking by phone from Bogota with CNN's Poppy Harlow.