December 2014
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Honoring Our Friend Ed Huwaldt
cb staff release balloons on Edís birthday
by Sarah Cousineau
Last February we lost a colleague and friend Ed Huwaldt to cancer. The cb staff wanted to honor him in some way, so we decided to have a balloon release on his birthday. Everyone wrote messages on the balloons and then released them on December 16th.
Elf on the Shelf arrived at Central Bank
by Sarah Cousineau

Jingles, our Elf on the Shelf, arrived at Central Bank on December 10th. If you have young children or grandchildren, you are already familiar with the Elf on the Shelf. Once you give your Elf a name, he receives his Christmas magic and can fly to the North Pole each night to tell Santa Claus about all of the day's adventures. Each morning, Jingles returns and perches in a different place - so don't miss out! Keep checking our facebook page where you can spot Jingles' latest antics.

Three Things Identity Thieves Donít Want You to Know
What you donít know can hurt you and help someone pretending to be you

Photo: Three Things Identity Thieves Donít Want You to Know
With everything going electronic and online, identity theft has become an ever more common problem. All the information whizzing around us ó the e-mails we send, the forms we fill out, the news feeds we follow and comment on ó all of it can be used by would-be thieves to gain access to your personal information and your financial accounts.

Disability Insurance: Do You Really Need It?
Weighing the pros and cons of having disability insurance

Photo: Disability Insurance: Do You Really Need It?
Disability insurance ó a safe haven to replace a portion of your salary in the event you became injured and were unable to work ó has been the topic of controversy: How much do you really need it?

The Best Affordable Vehicles for Poor Weather Climates
These vehicles make weather one less thing to worry about

With all of the impressive technologies available today, itís kind of amazing to think that the weather is still something that can wreak such havoc on our lives. Winter blizzards, torrential rains and even road hazards can make our daily commutes far more adventurous than we expect. But the right vehicle can help alleviate some of those concerns.

DIY Projects for a Cozy Home
Easy ways to keep your home cozy

Even if you donít live in a region where winters hit extreme low temperatures, this time of year still tempts us to layer on soft clothing and snuggle up in a cozy room with our families. If your house doesnít currently have the cozy atmosphere you desire, it is easy to create that feeling with one of these projects:

Retirement Plans for Small Businesses
Offering these options will benefit both you and your employees

Itís never too late ó or early ó to start saving for retirement. According to the United States Department of Labor, experts estimate that Americans will need 70 to 90 percent of their pre-retirement income to maintain their standard of living when they stop working. As a small business owner and employer, your role is of huge importance in helping your workers and yourself become successful in planning for retirement.

Published by Central Bank of Kansas City
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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.  This is an advertisement.
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