Avidia Monthly
October 2013
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Avoid internet Auction Fraud

Popular online auction sites, such as E-Bay, offer buyers a multitude of benefits such as finding rare and discontinued items, money savings opportunities and the ability to sell your own items. Just make sure you purchase items from a reputable seller or else you may end up paying for nothing. Check out the FBI’s list of tips to avoid Internet Auction Fraud.

Make a Statement with Your eStatement
What going paperless says about you and how it can help you out

Photo: Make a Statement with Your eStatement Are you one of the millions of banking and credit card customers who still receives a paper statement in the mail each month? Resisting the push from your financial institutions to switch to electronic statements that arrive in your e-mail inbox? You might want to consider making the change.

HSAs: A-Ok or Stay Away?
Health savings accounts have their ups and downs. Read on to see if they�re right for you

Photo: HSAs: A-Ok or Stay Away? Low premiums, more options and greater control. At first glance, health savings accounts (HSAs) seem like a great new weapon in the war against rising healthcare costs, and for many people they might be.

When to Access Social Security Benefits
Could delaying your benefits be right for you?

Photo: When to Access Social Security Benefits As the years continue to pass, you may find yourself thinking more and more about retirement. One factor that plays a significant role in your retirement is your social security benefits. Many people are debating whether to take their Social Security as soon as they�re eligible or wait a little longer. It�s a question that has no right answer, but here are some tips to consider to help make the right decision for you.

Five Surprising Automobile Values
These vehicles make for great investments, not to mention great rides

Photo: Five Surprising Automobile Values Midsize SUVs aren�t the first category one might look at for value, but the 2013 RX450h � the �h� stands for hybrid � starts at an MSRP of $46,310 but made the US News and World Report�s Best Cars for the Money list because of its �outstanding fuel economy in a luxurious package� and �some of the best reliability ratings in its class.�

Sedona, Arizona
Relax and rejuvenate amidst the area's stunning red rocks

Sedona attracts a diverse mix of vacationers. Some visit for the stunning mountain scenery and easy access to outdoor activities, while others seek rejuvenation at area spas or from the many nearby energy vortexes. Just about everyone enjoys the Southwestern cuisine and shopping opportunities.

A Lifetime on Screen: Actors and Actresses with Long Careers
Favorite performers who stand the test of time

Some of our favorite actors and actresses are not the fly-by-night types that capture the spotlight for an intense but brief burst of fame. They are the ones who've stood the test of time with quality performances over many years. Here are a few examples of favorite actors who can boast of a lifetime of work on the big screen.

Halloween Candy Alternatives
Bypass the sugar for fun, colorful items kids (and parents) will love

Most any kid will say they want as much candy as they can round up when they knock on neighbor�s doors on Halloween. But getting overloaded with sugar isn�t the best plan. Some dentists around the country even have buyback programs where they offer prizes and other items for kids who turn in their Halloween candy stash. If you�re looking for some creative alternatives to passing out the sweet stuff, we have some ideas for you.

Five Tips for Sustainable Eating
Eat healthier by supporting locally grown products

Sustainable eating means eating whole foods that come from a local source. Most sustainable foods do not have labels and do not come in a box. In addition, they are foods that minimize harm to the environment during the growth and production process. Locally grown fruits and vegetables, as well as protein from animals that are raised in a humane way by independent farmers, are considered sustainable foods.

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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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