

<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml"><head>
<meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1">

	
<title>Caring for Clients | October 2009</title>


	<link href="http://www.google.com/uds/css/gsearch.css" type="text/css" rel="stylesheet"/>


<link href="/site/ywd_prototype/library/css/main.css" rel="stylesheet" type="text/css">


<link href="/site/ywd_prototype/display/templates/t5/library/main.css" rel="stylesheet" type="text/css">
<link href="/site/ywd_prototype/display/templates/t5/library/skins/10/background/1.css" rel="stylesheet" type="text/css">
<link href="/site/ywd_prototype/display/templates/t5/library/skins/10/skin.css" rel="stylesheet" type="text/css">
<link href="/site/ywd_prototype/library/css/theme/1.css" rel="stylesheet" type="text/css">
<link href="/site/ywd_prototype/library/css/alignment/2.css" rel="stylesheet" type="text/css">

<link href="/site/ywd_prototype/library/css/type/33.css" rel="stylesheet" type="text/css">


	<link href="/site/ywd_prototype/library/css/overridetext/1.css" rel="stylesheet" type="text/css">


<link href="/site/ywd_prototype/library/css/overrideborder/1.css" rel="stylesheet" type="text/css">
<link href="/site/ywd_prototype/library/css/overridespacing/1.css" rel="stylesheet" type="text/css">
<link href="/site/ywd_prototype/library/css/level1nav/1.css" rel="stylesheet" type="text/css">
<link href="/site/ywd_prototype/library/css/link/1.css" rel="stylesheet" type="text/css">


	<link href="/site/ywd_prototype/display/templates/t5/library/skins/10/background/1.css" rel="stylesheet" type="text/css">


<style type="text/css">


	body {
		background-color:#E1EDCF;
		
		
					background-image:none;
				
			
	}


	#shadowbottomrow {
		display:none;
	}


#wrapper {
	width:964px;
}


#wrapperfooter .footer {
	width:964px;
	position:relative;
	text-align: left;
	margin-left: auto;
	margin-right: auto;
}


	.layoutleft {
		border:8px solid #9CC15F;
	}
	.banner {
		border-style:none;
	}


	#wrapper {
		
		width:964px;
	}
	.layoutleft {
		border-width:8px;
	}


	.contenttable, .contenttablesub {
		height:350px;
	}


.footer {
	padding-left:5px;
}

	
.footer {
	padding-right:5px;
}

	
.footer {
	padding-top:5px;
}

	
.footer {
	padding-bottom:5px;
}


		.banner, .bannertext {
			background-color:#FFFFFF;
			background-image:none;
		}
	

	body, td, p, /*input, select,*/ h1, h2, h3, h4, h5, h6, div {
		color:#51595E;
	}


		.contenttable, .contenttablesub, .contentmaincol, .contentmaincolsub, .breadcrumbs {
			background-color:#FFFFFF;
		}
	

		.rightcol, .rightcolsub {
			background-color:#F4F5F6;
		}
	

<!-- global header colours replaced by individual header settings. kept for compatibility --->

	h1, h2, h3, h4, h5, h6 {
		color:#2B4056;
	}


#nav {
	padding-top:0px;
	padding-bottom:0px;
}

	.navbararea {
		border-top-width:0px;
		padding-top:0px;
		margin-top:0px;
	}
	.navbar {
		padding-top:0px;
		margin-top:0px;
	}


	.navbararea {
		border-bottom-width:px;
		padding-bottom:0px;
		margin-bottom:0px;
	}
	.navbar {
		padding-bottom:0px;
		margin-bottom:0px;
	}


		.navbararea, .navbar, #nav, #nav ul, #nav ul:hover {
			background-color:#9CC15F;
			background-image:none;
			height:auto;
		}
	
	
		.navbutton, #nav li, #nav li ul, ul.dropdown *.dir, ul.dropdown ul, ul.dropdown li:hover, ul.dropdown li:hover {
			background-color:#9CC15F;
			background-image:none;
		}
	
	
		.navbuttonon, #nav a.dhtmlnavactive, a.dhtmlnavactive {
			background-color:#C9DF8E;
			background-image:none;
		}
	
	
		.navbuttonrollover, .navbuttonon:hover, #nav li:hover, #nav li.sfhover, ul.dropdown li:hover, ul.dropdown ul a:hover {
			background-color:#2B4056;
			background-image:none;
		}
	

		.navlinks, .navlinks:visited, #nav a {
			color:#FFFFFF;
			background-color:transparent;
		}
	

	.navlinkson, .navlinkson:visited {
		color:#2B4056;
		background-color:transparent;
	}
	#nav a.dhtmlnavactive, a.dhtmlnavactive {
		color:#2B4056;
	}


	.navlinks:hover, .navlinkson:hover, #nav:hover, #nav a:hover, #nav li:hover, #nav li.sfhover, ul.dropdown a:hover {
		color:#FFFFFF;
		
	}


	.navlinks, .navlinkson, #nav li, #nav li ul, #css3dnav1 li, #css3dnav1 li ul, ul.dropdown {
	
			font-family:"Arial Narrow", Helvetica, sans-serif;
		
	}


	.navlinks, .navlinkson, #nav li, #nav li ul, #css3dnav1 li a, #css3dnav1 li ul a, ul.dropdown {
		font-size:15px;
	}
	
		.navlinks, .navlinkson, #nav li, #nav li ul {
			line-height:1.2em;
		}
	

		.navlinks, .navlinkson, #nav a, #css3dnav1 li a, #css3dnav1 li ul a, ul.dropdown {
			text-transform:uppercase;
		}
		

	.navbuttons td {
	
	}


	.navleft1, .navleft1current, .navleft2, .navleft2current, .navleft3, .navleft3current {
	
	}


	.navleft1, .navleft1current, .navleft2, .navleft2current, .navleft3, .navleft3current {
	
	}


		.navleft1, .navleft1current, .navleft2, .navleft2current, .navleft3, .navleft3current {
			text-transform:none;
		}
		

	.navleft2, .navleft2current, .navleft3, .navleft3current {
	
	}


	.navleft2, .navleft2current, .navleft3, .navleft3current {
	
	}


		.navleft2, .navleft2current, .navleft3, .navleft3current {
			text-transform:none;
		}
		

	.navleft3, .navleft3current {
	
	}


	.navleft3, .navleft3current {
	
	}


		.navleft3, .navleft3current {
			text-transform:none;
		}
		

	.linearnavbar td a, .linearnavbarsearch td a {
	
	}


	.linearnavbar td a, .linearnavbarsearch td a {
			text-transform:none;
		}
		

	.contentmaincol, .contentmaincolsub, .breadcrumbs {
		padding-left:25px;
	}


	.contentmaincol, .contentmaincolsub {
		padding-right:25px;
	}


	.contentmaincol, .contentmaincolsub {
		padding-top:10px;
	}


	.contentmaincol {
		padding-left:25px;
	}


	.contentmaincol {
		padding-right:25px;
	}


	.contentmaincol {
		padding-top:28px;
	}


	.contentmaincol p, .contentmaincol div, .contentmaincol ul, .contentmaincol li, .contentmaincol td, 
	.contentmaincolsub p, .contentmaincolsub div, .contentmaincolsub ul, .contentmaincolsub li,  .contentmaincolsub td,
	.rightcol p, .rightcol div, .rightcol ul, .rightcol li, .rightcol td,
	.rightcolsub p, .rightcolsub div, .rightcolsub ul, .rightcolsub li, .rightcolsub td,
	#contentheader p, #contentheader div, #contentheader ul, #contentheader li, #contentheader td,
	#contentfooter p, #contentfooter div, #contentfooter ul, #contentfooter li, #contentfooter td  {
		font-size:14px;
	}


	.contentmaincol p, .contentmaincol div, .contentmaincol ul, .contentmaincol li, .contentmaincol td, 
	.contentmaincolsub p, .contentmaincolsub div, .contentmaincolsub ul, .contentmaincolsub li,  .contentmaincolsub td,
	.rightcol p, .rightcol div, .rightcol ul, .rightcol li, .rightcol td,
	.rightcolsub p, .rightcolsub div, .rightcolsub ul, .rightcolsub li, .rightcolsub td,
	#contentheader p, #contentheader div, #contentheader ul, #contentheader li, #contentheader td,
	#contentfooter p, #contentfooter div, #contentfooter ul, #contentfooter li, #contentfooter td  {
		line-height:20px;
	}


	.navleft, #contentleftcol {
		width:160px;
	}
	
	
.navleft {
	margin-left:5px;
}
#contentleftcol {
	padding-left:5px;
}


.navleft, #contentleftcol {
	padding-right:5px;
}


	.leftcol, .leftcolsub {
		width:160px;
	}

.navleft, #contentleftcol {
	width:150px;
}


	h1 {
	
	}


	h2 {
	
	}


	h3 {
	
			font-family:Arial, Helvetica, sans-serif;
		
	}


	h4 {
	
	}


	h5 {
	
	}


	h6 {
	
	}


	h1 {
		font-size:24px;
		line-height:1.2em;
	}


	h2 {
		font-size:20px;
		line-height:1.2em;
	}


	h3 {
		font-size:16px;
		line-height:1.2em;
	}


	h4 {
		font-size:14px;
		line-height:1.2em;
	}


	h5 {
		font-size:14px;
		line-height:1.2em;
	}


	h3 {
		line-height:6px;
	}


	h4 {
		line-height:20px;
	}


	h5 {
		line-height:16px;
	}


	h4 {
		font-weight:normal;
	}


	h3 {
		font-weight:bold;
	}


	h5 {
		font-weight:bold;
	}


	h3 {
		color:#9CC15F;
	}


	h4 {
		color:#677177;
	}


		h1 {
			text-transform:none;
		}
		

		h2 {
			text-transform:none;
		}
		

		h3 {
			text-transform:none;
		}
		

		h4 {
			text-transform:none;
		}
		

		h5 {
			text-transform:none;
		}
		

		h6 {
			text-transform:uppercase;
		}
		

	.contentmaincol a, .contentmaincolsub a, #contentrightcol a, .rightcol a, .rightcolsub a, #monthcalendar span.tip a, #contentleftcol a, #contentheader a, #contentfooter a {
		font-weight:normal;
	}


	.contentmaincol a, .contentmaincolsub a, #contentrightcol a, .rightcol a, .rightcolsub a, #monthcalendar span.tip a, #contentleftcol a, #contentheader a, #contentfooter a {
		color:#0066AA;
	}


	.contentmaincol a, .contentmaincolsub a, #contentrightcol a, .rightcol a, .rightcolsub a, #monthcalendar span.tip a, #contentleftcol a, #contentheader a, #contentfooter a {
		text-decoration:underline;
		border-bottom-style:hidden;
		border-bottom-style:none;
	}


	.contentmaincol a:hover, .contentmaincolsub a:hover, #contentrightcol a:hover, .rightcol a:hover, .rightcolsub a:hover, #monthcalendar span.tip a:hover, #contentleftcol a:hover, #contentheader a:hover, #contentfooter a:hover {
		color:#0066AA;
	}


		.contentmaincol a:hover, .contentmaincolsub a:hover, #contentrightcol a:hover, .rightcol a:hover, .rightcolsub a:hover, #monthcalendar span.tip a:hover, #contentleftcol a:hover, #contentheader a:hover, #contentfooter a:hover {
			background-color:#F6F9F2;
		}
	

	.contentmaincol a:hover, .contentmaincolsub a:hover, #contentrightcol a:hover, .rightcol a:hover, .rightcolsub a:hover, #monthcalendar span.tip a:hover, #contentleftcol a:hover, #contentheader a:hover, #contentfooter a:hover {
		text-decoration:none;
		border-bottom-style:hidden;
		border-bottom-style:none;
	}


	.breadcrumbs div, .breadcrumbs div a, .breadcrumbs div a:hover {
		color:#0066AA;
	}


		h4 {
	
	
		border-width:1px;
	
	
		border-style:dotted;
	
	
		border-color:#51595E;
	
	
		padding:10px;
	
	
		background-color:#FFFFFF;
	
	
	}
	
	
#contentrightcol {
	margin-left:10px;
}


#contentrightcol {
	margin-right:10px;
}


	.rightcol, .rightcolsub {
		width:220px;
	}

#contentrightcol {
	width:200px;
}


	.rightcol, .rightcolsub {
		padding-top:26px;
	}


.rightcol #contentrightcol {
	margin-left:10px;
}


.rightcol #contentrightcol {
	margin-right:5px;
}


.rightcol #contentrightcol {
	width:205px;
}


	#contentleftcol .wp table, #content .wp table, #contentrightcol .wp table {
		border-color:#677177;
	}


	ul li {
	
		list-style-type:square;
    
	}


	ul {
		margin-left:1.3em;
	}
	ol {
		margin-left:1.3em;
	}


	hr {
		border-top-color:#9CC15F;
	}


	hr {
		border-top-width:1px;
	}


	hr {
	
		border-top-style:solid;
    
	}


	hr {
		margin-top:0.5em;
	}


	hr {
		margin-bottom:0.5em;
	}


.productListItemImage a, .productListItemImage a:hover {
	background-color:transparent;
}


</style>


<link media="print" href="/site/ywd_prototype/library/css/printerfriendly.css" rel="stylesheet" type="text/css">


		<script language="JavaScript1.1" type="text/javascript">
		<!--
		
		
		//-->
		</script>
		
	
<script language="JavaScript1.2" src="site/ywd_prototype/library/javascript/sitespecific.js" type="text/javascript"></script>
<!-- BROKERBOX HEADER -->
</head>
<body 
		
		
		>


<div id="wrapper">
<div id="layoutsub">


<a name="top"></a>


    <div class="linearnavbar">
        <table border="0" align="right" cellpadding="0" cellspacing="0">	    
            <tr>
            	
                
                            <td>
                                <a href="http://www.caringforclients.com/index.cfm?pagepath=FAQ_s&amp;id=11424">FAQ's</a>						
                            </td>
                        
                    
                            <td>
                                <a href="http://www.caringforclients.com/index.cfm?pagepath=Blog&amp;id=21788">Blog</a>						
                            </td>
                        
                    
                            <td>
                                <a href="http://www.caringforclients.com/index.cfm?pagepath=Contact_Us&amp;id=11425">Contact Us</a>						
                            </td>
                        
                    
                            <td>
                                <a href="http://www.caringforclients.com/index.cfm?pagepath=Site_Map&amp;id=11473">Site Map</a>						
                            </td>
                        
                    
                <td style="width:8px;padding:0px;"></td>
                
            </tr>
        </table>
    </div>


<table class="layout" border="0" cellspacing="0" cellpadding="0">
	<tr>
		<td id="shadowvertleft">&nbsp;</td>
		<td class="layoutleft">
        
			
<div class="banner" >
    <script src="/site/master/library/javascript/flashobject.js" type="text/javascript"></script>
    <div id="flashcontent"
		  onclick="document.location.href='http://www.caringforclients.com/index.cfm?pagepath=Home&amp;id=11415';">
        
        	
                <table style="width:100%;height:100%;" border="0" cellspacing="0" cellpadding="0">
                    <tr>
                        <td style="width:100%;"><a href="#"><img src="/site/caring_for_clients/assets/images/c4cbanner_930.gif" border="0"></a></td>
                    </tr>
                </table>
           					
        
    </div>
</div>
</div>


            <div class="navbararea"  onclick="document.location.href='http://www.caringforclients.com/index.cfm?pagepath=Home&amp;id=11415';">
                <div class="navbar">
                    
                    
    <table border="0" cellspacing="0" cellpadding="0">
        <tr>
            <td>
            <ul id="nav">
            
                
                <li><a href="http://www.caringforclients.com/index.cfm?pagepath=Home&amp;id=11415" >Home</a>
                
                
                <li><a href="http://www.caringforclients.com/index.cfm?pagepath=Our_Services&amp;id=11417" >Our Services</a>
                
                
		<ul>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Our_Services/Retirement_Planning&amp;id=11457" id="dhtml2link">Retirement Planning</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Our_Services/Estate_Planning_Administration&amp;id=11458" id="dhtml2link">Estate Planning & Administration</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Our_Services/Cash_Flow_Management&amp;id=11459" id="dhtml2link">Cash Flow Management</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Our_Services/Debt_Management&amp;id=11460" id="dhtml2link">Debt Management</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Our_Services/Tax_Planning&amp;id=11461" id="dhtml2link">Tax Planning</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Our_Services/Investment_Management_&amp;id=11462" id="dhtml2link">Investment Management*</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Our_Services/Ongoing_Review_Monitoring&amp;id=11463" id="dhtml2link">Ongoing Review & Monitoring</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Our_Services/Corporate_Care_Services&amp;id=11464" id="dhtml2link">Corporate Care Services</a>
                
				
            </li>
				
		</ul>	
	
	
                <li><a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More&amp;id=11416" >Learn More</a>
                
                
		<ul>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More/About_Us&amp;id=11472" id="dhtml2link">About Us</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More/How_We_Work&amp;id=11418" id="dhtml2link">How We Work</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More/Getting_Started&amp;id=11419" id="dhtml2link">Getting Started</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More/Typical_Clients&amp;id=11420" id="dhtml2link">Typical Clients</a>
                
				
		<ul>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More/Typical_Clients/Pre_retirement&amp;id=11421" id="dhtml2link">Pre retirement</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More/Typical_Clients/Business_Owner&amp;id=11422" id="dhtml2link">Business Owner</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More/Typical_Clients/Busy_Executive&amp;id=11507" id="dhtml2link">Busy Executive</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More/Typical_Clients/Recent_Widow&amp;id=11508" id="dhtml2link">Recent Widow</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More/Typical_Clients/Downsized_Exec&amp;id=11509" id="dhtml2link">Downsized Exec</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More/Typical_Clients/Busy_Professional&amp;id=11510" id="dhtml2link">Busy Professional</a>
                
				
            </li>
				
		</ul>	
	
	
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More/Testimonials&amp;id=14861" id="dhtml2link">Testimonials</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More/Our_Network&amp;id=11423" id="dhtml2link">Our Network</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Learn_More/In_the_News&amp;id=14855" id="dhtml2link">In the News</a>
                
				
            </li>
				
		</ul>	
	
	
                <li><a href="http://www.caringforclients.com/index.cfm?pagepath=Newsletters&amp;id=11435" class="dhtmlnavactive">Newsletters</a>
                
                
		<ul>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Newsletters/July_2010&amp;id=24904" id="dhtml2link">July 2010</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Newsletters/April_2010&amp;id=22321" id="dhtml2link">April 2010</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Newsletters/January_2010&amp;id=18633" id="dhtml2link">January 2010</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Newsletters/Year_End_Reminders&amp;id=17756" id="dhtml2link">Year End Reminders</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Newsletters/October_2009&amp;id=16006" id="dhtml2link">October 2009</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Newsletters/July_2009&amp;id=13890" id="dhtml2link">July 2009</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Newsletters/April_2009&amp;id=12079" id="dhtml2link">April 2009</a>
                
				
            </li>
		
            <li>


                <a href="http://www.caringforclients.com/index.cfm?pagepath=Newsletters/January_2009&amp;id=12075" id="dhtml2link">January 2009</a>
                
				
            </li>
				
		</ul>	
	
	
                <li><a href="http://www.caringforclients.com/index.cfm?pagepath=FAQ_s&amp;id=11424" >FAQ's</a>
                
                
                <li><a href="http://www.caringforclients.com/index.cfm?pagepath=Login&amp;id=11426" >Login</a>
                
                
                <li><a href="http://www.caringforclients.com/index.cfm?pagepath=Blog&amp;id=21788" >Blog</a>
                
                
                <li><a href="http://www.caringforclients.com/index.cfm?pagepath=Contact_Us&amp;id=11425" >Contact Us</a>
                
                
            </ul>
            </td>
        </tr>
    </table>


                </div>
            </div>
            
			
<table align="left" class="contenttablesub" border="0" cellspacing="0" cellpadding="0">
	<tr>
<td colspan="3">


</td>
</tr>


    <tr>
        
		
        <td class="contentmaincolsub">
	
	
		<div class="breadcrumbs">


	<div><a href="http://www.caringforclients.com/index.cfm?pagepath=Home&amp;id=11415">Home</a>
		
	›
		
			<a href="http://www.caringforclients.com/index.cfm?pagepath=Newsletters&amp;id=11435">Newsletters</a>
		
	›
		
			<a href="http://www.caringforclients.com/index.cfm?pagepath=Newsletters/October_2009&amp;id=16006">October 2009</a></div>

</div>
	
    
	<div id="content">
   
    
        	<div class="maincolbox">
                <div class="maincolcblock">
                    <div class="wp"><h1>Caring for Clients Newsletters<br />
<br />
</h1>
<p>Caring for Clients produces and posts a quarterly newsletter to keep our clients and potential clients informed about current market conditions, tax tips, recent news and other money related matters.<br />
</p></div><div style="margin:0px;padding:0px;height:0px;clear:both;"></div>
                </div>
            </div>
		
        	<div class="maincolbox">
                <div class="maincolcblock">
                    <div class="wp"><h3>October 2009</h3>
<hr />
<h1>Third Quarter, 2009</h1>
<p></p>
<p style="text-align: justify">Fall is now upon us! We hope you enjoyed the summer season. As we approach another year-end, it is important to reflect on our experiences over the past year as well as look toward our future prospects. This can be said for our personal and working lives as well as for our investing lives. We have all weathered the ups and downs of the past two years and it has been a trying time, although the period has provided us with many lessons. Through these periods of volatility, we have all become more aware of our investing comfort level. It is through these experiences that we truly start to understand our own risk tolerance. Dan Richards, President of Strategic Imperatives, explains the relationship between emotional investing and investment returns in his article, <a href="/site/caring_for_clients/assets/pdf/Volatility_and_investor_returns.pdf">Know your stomach or get off the ride</a>.</p>
<p style="text-align: justify"></p>
<p style="text-align: justify">A variety of emotions are experienced when one is exposed to market volatility. Clients know that we design portfolios to minimize volatility. In many cases, we include lower equity weightings than the client might think appropriate. Our article, <a href="/site/caring_for_clients/assets/pdf/Minimizing_effects_of_emotions_to_guarantee_investment_success.pdf">Minimizing the effects of emotions to guarantee investment success</a>, describes one of the rationales for this approach. This article will be the first part of a series on behavioral finance, which will be covered in future newsletters.</p>
<p style="text-align: justify">We all try to focus on making the soundest investments in the stock market, but this can also be said for investments in existing assets, such as our homes. We want to make the right investments to ensure that we receive an appropriate return on our chosen investment. As environmental concerns are at the forefront of our societal consciousness, the home &lsquo;energy audit&rsquo; is gaining attention as a worthwhile investment. Ruth Blair of Prudential Sadie Moranis Realty describes the benefits of investing in an energy audit in her article, <a href="/site/caring_for_clients/assets/pdf/An_Audit_That_Pays.pdf">An Audit that Pays</a>.</p>
<p style="text-align: justify">In closing, we hope this edition of our newsletter allows you to reflect on your investing experience and prepare you for future investment prospects.</p>
<p style="text-align: justify">If you have any questions or would like to arrange a meeting time to discuss your portfolio, please do not hesitate to contact us at any time.</p>
<p style="text-align: justify">Best regards,</p>
<p style="text-align: justify">Rona, Clifford &amp; Emily <br />
</p>
<p></p></div><div style="margin:0px;padding:0px;height:0px;clear:both;"></div>
                </div>
            </div>
		
		
    </div>
	
	
		<div class="contentbottomlinks">
			<table border="0" cellpadding="0" cellspacing="0">
				<tr>
					
						
                            <td><a href="#top" class="topofpagelink"><img src="/site/ywd_prototype/library/css/topofpage.gif" border="0" style="border:none;margin:0px;" alt="Top of page" title="Top of page"></a></td>
                            <td style="border:none;">&nbsp;&nbsp;&nbsp;</td>
                        
                    
                            <td><a href="#" class="printerfriendlylink" onClick="openaprintwindow('index.cfm?pagepath=Newsletters/October_2009&id=16006&PrintPage=true');"><img src="/site/ywd_prototype/library/css/printerfriendly.gif" border="0" style="border:none;margin:0px;" alt="Printer friendly version" title="Printer friendly version"></a></td>
                            <td style="border:none;">&nbsp;&nbsp;&nbsp;</td>
                        
                    
				</tr>
			</table>
		</div>
	

</td>

        
	<td valign="top" class="rightcolsub">
		
		
            <div id="contentrightcol">
				       
                    
                    	<div class="rightcolbox">
                            <div class="rightcolcblock">
                                <div class="wp"><h3 style="text-align: right"><img height="20" alt="" hspace="0" width="32" align="absMiddle" border="0" src="/site/caring_for_clients/assets/images/greenleaf.gif" />&nbsp;quick links</h3>
<hr />
<div><a href="/index.cfm?id=24904">July 2010 Newsletter &raquo;</a></div>
<div><a href="/index.cfm?id=22321">April 2010 Newsletter&nbsp;&raquo;&nbsp;</a></div>
<div><a href="/index.cfm?id=18633">January 2010 Newsletter &raquo;</a></div>
<div><a target="_self" href="/index.cfm?id=16006">October 2009 Newsletter &raquo;</a></div>
<div><a target="_self" href="/index.cfm?id=13890">July 2009 Newsletter&nbsp;&raquo;</a></div>
<div><a href="/index.cfm?id=12079">April&nbsp;2009 Newsletter &raquo;</a><br />
<a href="/index.cfm?id=12075">January&nbsp;2009 Newsletter &raquo;</a></div></div><div style="margin:0px;padding:0px;height:0px;clear:both;"></div>
                            </div>
                        </div>
                    
                    
            </div>
		
	</td>


    </tr>
</table>

			
   		</td>
	    <td id="shadowvert" style="background-repeat:repeat-y;"></td>
	</tr>
    
    
    <tr id="shadowbottomrow"><td id="shadowcornerleft"></td><td id="shadowhoriz"></td><td id="shadowcorner" style="background-repeat:no-repeat;"></td></tr>
	
    
<tr>
	<td id="shadowbottomleft"></td>
	<td>
		<table class="footer" cellspacing="0" cellpadding="0">
			<tr>
            	
                	
                    <td colspan="2" class="tertiarynav">
                        
                        
                                    <a href="http://www.caringforclients.com/index.cfm?pagepath=Contact_Us&amp;id=11425">Contact Us</a>
                                
                            
                                        &nbsp;|&nbsp;
                                    
                                    <a href="http://www.caringforclients.com/index.cfm?pagepath=Site_Map&amp;id=11473">Site Map</a>
                                
                            
                    </td>
                
			</tr>
			

	<tr><td colspan="2" class="footertext" style="width:100%;">&copy;&nbsp;2009 Caring for Clients – Financial Planning with a Difference</td></tr>


	<tr>
		<td colspan="2" class="footertext" valign="top">
			69 Yonge Street, 2nd Floor, Toronto ON M5E 1K3 • T: 416.363.8500
			
		</td>
	</tr>


<tr>
	<td colspan="2" class="footerlogo">
    	
        
		<a href="http://www.yourwebdepartment.com" target="_blank">Powered by Your Web Department&#8482;&nbsp;&nbsp;<img src="/site/ywd_prototype/images/ywd_icon1.gif" width="21" height="21" border="0" align="absbottom" alt="Your Web Department&#8482;" title="Your Web Department&#8482;" /></a>
    </td>
</tr>


		</table>
	</td>
	<td>&nbsp;</td>
</tr>
    	</table>
    

    	</div>
</div>

 
<script src="http://www.google-analytics.com/urchin.js" type="text/javascript">
</script>
<script type="text/javascript">
try {
_uacct = "UA-8629498-2";
urchinTracker();
} catch(err) {}</script>

</body>
</html>