Avidia Monthly
June 2013
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Fraudulent Debit Card Transactions

Having a debit card offers convenience and security that cash cannot. You don’t have to worry about carrying large sums of money with you. Nor do you have to worry about losing money. Or do you? If a thief has access to your debit card, he or she has access to your money. So how are you protected should you find someone had unauthorized access to your account?


Should Homeowners Consider Refinancing or Home Equity Loans?
Learning about both options will help you make the best decision to save money

Photo: Should Homeowners Consider Refinancing or Home Equity Loans? Homeowners may have steep mortgages due to investments they made when interest rates were higher than they are today. While many property owners want to reduce their expenses, refinancing and home equity loans are just two of the options available to help these people.

Financial Tips for Single Parents
How to better manage your income for your family

Photo: Financial Tips for Single Parents For single parents, managing finances can carry significant stress, concern and worry. Stretching one income to provide for your family is important, and knowing how to do it effectively, without getting stressed out, is even more so.

Spending for the Silver Years
Experts say financing retirement is a family affair with more than just savings at stake

Photo: Spending for the Silver Years Talking to family members about money can be tough, especially when thrift is the topic du jour. Experts agree, though, that making sure goals, plans and spending realities are in line is more crucial than ever. Preretirement spending as a part of retirement planning is an important issue that few fully consider. Here are some tips about what to say, how to say it and whom to say it to.

Five Convertibles to Consider
It�s time to put the top down and have some fun

Photo: Five Convertibles to Consider Summer is here, which means the time is right for considering a new convertible or, short of that, dreaming about one. These five convertible options each have their own special attributes, so read on to find the one that�s right for you.

Stowe, Vermont
Consider this welcoming New England town for a summer visit

If you only think of Stowe, Vt., as a winter sports destination, you're missing out. This lovely town has much to offer summertime visitors.

How to Choose an E-Reader
Consider these features and options before you buy

While some people prefer the feel of a traditional book in their hands, e-readers are an increasingly popular way to purchase, store and read everything from magazines to favorite novels and cookbooks. If you're in the market for an e-reader, consider cost, size, readability, functionality and services to find one that fits your needs and lifestyle.

Swimming for Exercise
Water makes for effective workouts

Swimming is a great way to cool off in the summer months, whether it�s in a lake, pool or pond. Yet it can also be a fun way to turn this limited-impact sport into a fat-burning, muscle-toning workout. Here are five exercise ideas (and five good reasons to put on your bathing suit this summer).

Composting 101
Turn kitchen scraps into garden gold

Composting is the process of setting aside plants and food scraps and allowing them to break down into a dark, rich, soil-type substance. This organic material will naturally fertilize soil if placed in the ground near growing plants. Compost adds much-needed moisture, organisms and nutrients to soil and is nicknamed �black gold� by many gardeners.

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Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.

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