March 2014 • 800.320.7536 •
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New Salin Bank MasterCard Coming Soon!

As part of Salin Bank & Trust’s new partnership with MasterCard, customers will soon be receiving a brand-new MasterCard debit card beginning in mid-May. Once you receive your new card, you will need to activate it.


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Salin Bank’s Mobile App and Mobile Deposit: The Most Convenient Way
Salin Bank and Trust Company’s Mobile Banking App and Mobile Deposit technology is a fast, convenient and secure way for retail and business customers to conduct their banking when and where they want. From depositing checks to approving payroll, customers can do it all with just the tap of their fingertips and a smartphone.

Salin Bank Bringing Customers Access to ATM Surcharge Free Network
Starting April 14, Salin Bank & Trust customers will have free access to 4,762 ATMs in 42 states thanks to a new partnership with the Alliance One ATM network.

“In Indiana alone, the Alliance One network has more 850 ATMs at credit unions and banks,” says Chuck Gearhart, Senior Vice President – Retail Banking, our Salin Bank customers will find more convenience than ever with a wider network of ATMs available for their use.”

IRS issues “Repair Regulations” for 2014
Tax & Business Letter - Spring 2014
by Larry E. Nunn & Associates, Certified Public Accountants, LLC

To expense or to capitalize? If you buy, build, or repair business assets, you might ask that question when deciding whether your costs are currently deductible on your federal income tax return or whether they’re considered capital improvements. Since deductions for capital improvements are typically spread over the life of an asset, the answer can be important even when accelerated depreciation methods are available.

IRS Audits: What You Need to Know to Reduce Your Risk
Tax & Business Letter - Spring 2014
by Larry E. Nunn & Associates, Certified Public Accountants, LLC

There’s nothing good about being selected for an IRS audit. At best it’s a time consuming nuisance, and at worst you’ll be poorer in the end. But you can reduce your likelihood of being audited, or if you are selected, of being billed.

There are three types of IRS audits.  The simplest and most common is a correspondence audit, where the IRS mails you a request for further information about one or more items on your return. In most cases the issues can be resolved by responding with the appropriate documentation.

Managing Capital vs. Cash in Your Small Business
The differences between cash and capital management for small business owners
Photo: Managing Capital vs. Cash in Your Small Business
Small business owners know how important it is to manage their cash flow, but they may be unsure exactly what this entails. Another common source of confusion among small business owners arises regarding the difference between cash and capital investments and figuring out how to manage both. The following information will help you determine how to best manage your small business’s capital and cash.

Small Businesses and Small Financial Institutions
The important relationship between a small business and its local financial institution
Photo: Small Businesses and Small Financial Institutions
When you’re dealing with the complex financial aspects of running a small business, you may find yourself thinking that the only important factor in deciding which financial institution to work with is if it is willing to provide funding. The size of the financial institution is an important consideration, however, and it can even impact the ease of obtaining future financing. There are many benefits to working with a small, community-based financial institution that small business owners should be aware of.

Is an RV Right for You?
Reasons why purchasing an RV may benefit you
Photo: Is an RV Right for You? When you think of investing in real estate, you probably automatically think of buying a home or a condo. But have you considered a recreational vehicle? Recreational vehicles, also known as RVs, have been around quite some time now, but recently, more and more people are purchasing them.

How to Do a Home Energy Audit
Save money on your future electric bills with an independent review
As the record-breaking winter weather clears in most areas of the country, many families are experiencing higher-than-usual energy usage. This additional energy consumption not only leads to expensive energy bills, but can be damaging to the overall environment. Consider conducting an energy audit of your home to save on future bills.

Home Remedies for Nasal Congestion
Smart tips to help clear up that stuffy nose
You've been up all night with a stuffy nose and you're looking for relief. The good news is that there are a number of home remedies that can help you breathe easier.

Must-Watch Midseason TV Premieres
Check out these much-anticipated programs
If you like watching really good TV, you're in for some special treats this year. Several upcoming midseason premieres promise some of the best entertainment for the small screen. Here are five of the most anticipated TV shows this midseason has to offer.

French Quarter, New Orleans
Take in all this historic neighborhood has to offer
A visit to New Orleans would not be complete without a day spent in the French Quarter. In fact, you could spend an entire vacation in the historic neighborhood.

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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.

February 2014
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