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Home > Other > Chase Speedway SuperAmerica Platinum MasterCard

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While you might assume any mutual fund investor should use Quicken’s mutual fund record-keeping tools, that isn’t the case. Because investment record keeping, including mutual fund record keeping, requires significant work and involves complexity, you need to make sure the effort is worth it.

In general, you keep investment records for any of the following reasons:

Reason 1: You want to track interest and dividend income.

Reason 2: You want to track realized and unrealized capital gains and losses.

Reason 3: You want to measure or grade the profitability of an investment by calculating its annual return or yield.

Obviously, all three of the tasks in the preceding list sound worthwhile, but many investors won’t need to use Quicken’s record-keeping tools to get this sort of information.

Tracking Investment Income

If your investing is done using tax-deferred accounts, such as individual retirement accounts, 401(k)s, and other similar investment containers, you don’t need to track the investment’s income. The income from tax-deferred investments stored is not currently taxable. The money you contribute to one of these tax-deferred accounts can be counted as a deduction when the money is transferred into the account. Any money you ultimately withdraw from one of these accounts can be counted as income when you move money out of the account and into your regular checking account.

For example, if you contribute money to an individual retirement account by writing a check on your regular bank account, you can categorize the check as “IRA contribution” when you write the check. This categorization lets you easily track the IRA contribution deduction you will need to report on your tax return. Similarly, if you withdraw money from an IRA account, all you need to do is categorize the deposit as IRA income. This lets you keep track of the IRA withdrawals you will also need to report on your tax return.

Tracking Capital Gains

As mentioned earlier, realized and unrealized capital gains are often the second reason for using Quicken for investment record keeping. In the case of a regular taxable investment account, any time you buy and then later sell an investment, you experience a capital gain or loss that needs to be reported on your tax return. Because capital gains and losses are important for your tax return, when you keep records of taxable investments you want to track these items. You even want to track potential, or unrealized, capital gains and losses.

However, while tracking unrealized and realized capital gains and losses is important for taxable investment accounts, you don’t need to do this for tax-deferred investment accounts like individual retirement accounts and 401(k) accounts. The reason is simple. For tax-deferred investment accounts, gains and losses aren’t taxable. Just as is the case with investment income, inside a tax-deferred investment account, gains and losses have no effect on taxable income. Again, the only tax effect comes from money you move into and out of the account. In general, money you move into the account is a deduction for purposes of calculating your taxable income. Money you move out of your account is an income amount for purposes of calculating your income tax return.

The general rule described in the preceding paragraph—that money moved into and out of a tax-deferred investment account is what produces a tax deduction or taxable income amount—is true. However, predictably, some tax-deferred investment accounts don’t work this way.

There are, for example, nondeductible IRA and Roth IRA accounts. A nondeductible IRA account doesn’t give the taxpayer a deduction merely for moving Quicken into the account. Also, a Roth IRA account doesn’t actually produce any taxable income just because you move Quicken out of the account.

The primary benefit of a Roth IRA is that you get to withdraw money from the IRA without including the withdrawal on your tax return. However, in spite of the fact that money moved into certain types of IRAs or out of certain types of IRAs doesn’t trigger a tax deduction or taxable income, the general rules described here still apply. Even for nondeductible IRAs or Roth IRAs, you don’t need to track investment income, dividend income, capital gains, and capital losses for tax record-keeping using Quicken.

Measuring Investment Performance

As identified earlier, the third reason for investment record keeping concerns investment performance measurement. In general, one of the things you want to do when you become serious about your investing is calculate how good or how bad an investment performs. Complete and accurate investment records force you to honestly evaluate your investing. One of the ways you measure investment performance is by calculating the annual return, or yield, produced by the investment. For example, if you buy a stock for $12 a share and later sell it for $18 a share, you should calculate the annual return on the stock.

An annual return, or yield, resembles an interest rate. By comparing the return a stock earns to the return provided by other investments, you gain a frame of reference and get a better idea of whether a particular investment makes sense.

While calculating returns obviously makes sense, note that one of the tasks your mutual funds management company does is calculate annual returns. Therefore, you don’t need to duplicate this effort. In effect, one of the services you are already paying the mutual funds management company for is the calculation of this important performance measure.

Mutual fund management companies calculate returns on an annual basis—typically using the calendar year as the period for which returns are calculated. Your investment holding period may not match the period for which the return was calculated. For example, if you hold an investment for one year but your year runs from July 1 to June 30, a return measure provided by the mutual fund company may not be useful if the return is from January 1 to December 31. Nevertheless, if you use the prudent mutual fund investment strategy—which is simply to invest for longer periods, to buy and then hold—the mutual fund management company’s performance measurements do give you the information you need.

Financial services industry icon Louis P. DiCerbo II, CLU®, ChFC® will become the first ever inductee into The American College’s Hall of Fame. An award ceremony will take place on the campus of The American College in Bryn Mawr, Pennsylvania on January 23, 2006. The Hall of Fame is designed to recognize graduates of The College’s designation or degree programs who have made extraordinary contributions in time, effort and energy to this remarkable institution of higher learning.

Bryn MAawr, PA. (PRWEB) January 23, 2006 -- Financial services industry icon Louis P. DiCerbo II, CLU®, ChFC® will become the first ever inductee into The American College’s Hall of Fame. An award ceremony will take place on the campus of The American College in Bryn Mawr, Pennsylvania on January 23, 2006.

The Hall of Fame is designed to recognize graduates of The College’s designation or degree programs who have made extraordinary contributions in time, effort and energy to this remarkable institution of higher learning. Individuals must be long-term volunteers of The College and active participants in The College’s community and learning environment.

“The College and Alumni Association were very judicious about picking the very best person to represent this institution and be our founding Hall of Fame inductee,” said Larry Barton, PhD., President and Chief Executive Officer of The American College. “There were many nominees – far more than we expected. The nominees read like a who’s who of the financial industry. It was hard to narrow the choices down because the tendency was to vote for everyone, but whenever we mentioned Lou’s name, everyone would say “excellent choice.” He was the Babe Ruth of the selection process. Lou is The American College!”

DiCerbo personifies the spirit of the educational institution. He has spoken passionately about the vision of Dr. Solomon Huebner and has championed the financial services industry as a noble profession. DiCerbo has consistently extolled the virtues of the trusted advisor in a noble profession and Dr. Huebner’s concept of human life value as the ultimate means of creating financial security.

“I have always believed strongly in The American College and Dr. Huebner’s teachings and vision,” said DiCerbo. “Today, The American College has become the citadel of learning for financial professionals and the fountain of world-class insurance and financial services education.”

DiCerbo always excelled in the industry and supported charitable giving initiatives. He became a Life and Qualifying Member of the Million Dollar Round Table (MDRT) and co-chaired the Charles E. Drimal Estate Planning Professorship and supported the John P. Grimes reception foyer. DiCerbo also served on the Board of Trustees of The American College for 6 years and has been a member of all of The College’s committees. He chaired the Golden Key Society at The College, raising almost $5 million for the organization. DiCerbo’s New York agency had, at one time, more Golden Key contributors than any other agency in the United States.

“Lou volunteered at The American College for over 25 consecutive years,” said Russ Figueira, Associate Vice President of Alumni Relations, “Lou is everywhere in the institution in a very positive sense.”

DiCerbo’s leadership style can be best be described as “Leadership by Example” When Penn Mutual purchased Janney Montgomery Scott, the company tapped DiCerbo to manage the first merged branch of the organization. His organization led Penn Mutual in insurance and investment sales for 20 of 21 years. He won the first “Blue Chip” award at Horner Townsend and Kent for investments and in 2004 personally led the Penn Mutual career force in Gross Dealer Concession (GDC).

He also excelled as an insurance professional. When DiCerbo was named the manager of the New York agency of Penn Mutual in 1967, it ranked 76th out of 100 agencies in the Penn Mutual organization, generating only one-third of the income needed to meet expenses and break-even. Thanks to DiCerbo’s commitment to professionalism, ethics and continuing education, he recruited and encouraged over 64 of his colleagues to pursue and complete their designation studies through The American College.

Within 10 years, under DiCerbo’s guidance, the New York agency became the Number 1 agency for Penn Mutual and stayed there for more than 19 consecutive years. DiCerbo’s years of investment and insurance success prompted Penn Mutual to establish the Financial Consultant of the Year award in his honor.

DiCerbo became President of the New York City Life Underwriters Association and a member of the GAMA Board of Directors. In 1984, DiCerbo was the featured speaker at LAMP’s annual meeting. He received the prestigious GAMA International Management Hall of Fame award on March 27, 1995. He has since been the National Director of GAMA International for the past 6 years as well as the past chairman of the New York chapter of NAIFA and the Society Financial Services Professionals.

DiCerbo also donates his time generously to charitable endeavors. He is Vice Chairman of the Board of the National Hypertension Association and sponsors world-class medical lectures in pediatric critical care for doctors at Schneider Children’s Hospital. In 1998, the Boy Scouts of America inducted him into the Rough Riders. In addition, DiCerbo has received numerous awards including the Julian S. Myrick Award and the Torch of Liberty Award from New York City’s Anti-Defamation League. He has received the
distinguished alumnus award from Saint Francis University in Loretto, Pennsylvania.

After receiving 42 nominations from financial service professionals, a series of three panels determined this year’s Hall of Fame winner. The first panel was made up of college professors and degree and designation holders. They were able to narrow the field to the top 7 applicants. The second panel, comprised of Huebner Gold Medal Winners and Trustees of The American College, narrowed the field to three. Dr. Barton, president and CEO of The American College, and his immediate staff made the final selection.

The initial award ceremony was to take place at The College’s graduation in Cancun. This was cancelled due to the damage caused by Hurricane Wilma. The announcement of DiCerbo’s induction into the Hall of Fame was made at the Round Table of New York’s annual black tie conference at the Union League Club on December 5, 2005.

Lou DiCerbo has been married for 41 years to E. Patricia DiCerbo. They reside in Manhasset, New York and have three children and three grandchildren.

The American College is the nation’s leading non-profit educator of professionals in the insurance and financial services industry. Located in Bryn Mawr, Pennsylvania, The College is a public charity that serves over 35,000 students annually, predominantly on a distance education basis. The American College offers an array of specialized designation programs, Master of Science degrees in several disciplines and customized continuing education programs for those pursuing a career in financial services. For more information, visit

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