Norton Accounting Services October 2019

NortonAccountingServices.com 985-640-6072 Info@NortonAccountingServices.com OCTOBER 2019 NORTON NEWSLETTER EASE OF MIND • AVAILABILITY • FLEXIBILITY • INDIVIDUAL APPROACH • EXPERIENCE • TAX SAVINGS OPPORTUNITIES THE REAL ESTATE TAX PRO ™

FROM THE DESK OF Bob Norton

Sometimes, I like to include helpful information in this column, and this is one of those occasions. Each

year, several clients go through major life changes. With everything going on during those times in their lives, the last thing on their minds is updating the beneficiaries on their life insurance and retirement accounts. Fortunately, I have only heard of situations where someone has passed away and their spouse or a child found out that they were not a beneficiary for life insurance or a retirement account because the deceased had failed to update the beneficiary. Apparently, this happens a lot, and I would hate to see that happen with any of my friends or clients. So, I recommend that you check the beneficiary designations on all of your life insurance policies and IRA or 401(k) accounts, as well as bank accounts, brokerage accounts, investment accounts, annuities, and 529 college savings accounts. While you are at it, setup a recurring reminder on your calendar to check your beneficiary designations annually.

APPLE CIDER & BEYOND C reative D rinks to K eep Y ou W arm T his F all

During the chilly nights of autumn, most people turn to one of three piping hot drinks to keep them warm: hot chocolate, apple cider, or tea. But take it from us — you can do much better.

There’s no better place to be during the fall than in your warm kitchen experimenting with the plethora of hot drink recipes the season has to offer. Thanks to the rise of celebrity chefs and kitchen keyboard warriors (aka food bloggers), there are dozens of variations on hot chocolate, apple cider, and hot tea out there and even more unique potions splashing onto the scene all the time. First, let’s address the favorites. You can easily improve your hot chocolate game by melting your own chocolate, adding a bit of cinnamon, and using whole milk instead of water, but the world of cocoa is much larger than that. For an extra sweet twist, try using white chocolate instead of milk chocolate or topping it with crumbled toffee and toasted hazelnut pieces instead of marshmallows. You can spice up your drink with pepper to mimic the Aztecs, or make a 21-and- up version by adding a shot of peppermint schnapps and whipped cream.

-Bob Norton

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