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Savvy Social Security Planning

[et_pb_section bb_built="1" _builder_version="3.0.91"][et_pb_row][et_pb_column type="4_4"][et_pb_image _builder_version="3.0.91" src="https://www.meldfinancial.com/wp-content/uploads/social-security-pension-financial-shield-v2.jpg" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" url="#register" /][et_pb_text _builder_version="3.0.91" background_layout="light"]Learn the best time to file for Social Security at our next Educational Workshop, “Savvy Social Security Planning” on January 30, 2018. Join us at the Birmingham Botanical Gardens from 5:45 p.m. to 7:30 p.m. There is no cost to attend and a light supper will be provided.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.88"][et_pb_column type="1_4"][/et_pb_column][et_pb_column type="1_2"][et_pb_code admin_label="Anchor Link - Code" _builder_version="3.0.91"]<p id="register"></p>[/et_pb_code][et_pb_code admin_label="Form - Code" _builder_version="3.0.88" text_orientation="center" custom_padding="12px|12px|12px|12px" custom_css_main_element="width:100%;" use_background_color_gradient="on" background_color_gradient_start="#009900" background_color_gradient_end="#2968ce"][gravityform id="3" title="true" description="false" ajax="true" tabindex="1"]<!-- [et_pb_line_break_holder] -->[/et_pb_code][et_pb_text admin_label="Disclosure - Text" _builder_version="3.0.88" background_layout="light"]

Securities Offered Through Triad Advisors Inc. Member FINRA/SIPC

Advisory Services Offered Through Meld Financial Inc.

Meld Financial Inc. and Triad Advisors Inc. Are Not Related

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Should You Apply for Social Security Now or Later?

Post It note with Retire in 5 years (marked out), 6 years (marked out), 10 years

When should you apply for benefits? Consider a few factors first.

Provided by Meld Financial, Inc.

Now or later?

When it comes to the question of Social Security income, the choice looms large. Should you apply now to get earlier payments? Or wait for a few years to get larger checks?

Consider what you know (and don’t know).

You know how much retirement money you have; you may have a clear projection of retirement income from other potential sources. Other factors aren’t as foreseeable. You don’t know exactly how long you will live, so you can’t predict your lifetime Social Security payout. You may even end up returning to work again.

When are you eligible to receive full benefits?

The answer may be found online at socialsecurity.gov/retire2/agereduction.htm.

How much smaller will your check be if you start receiving benefits at 62?

The answer varies. As an example, let’s take someone born in 1955. For this baby boomer, the full retirement age is 66 years and 2 months. If that boomer decides to retire in 2017 at 62, his or her monthly Social Security benefit will be reduced about 26%. That boomer’s spouse would see a 30% reduction in monthly benefits.1,2Should that boomer elect to work past full retirement age, his or her benefit checks will increase by 8.0% for every additional full year spent in the workforce. So, it really may pay to work longer.2

Remember the earnings limit.

Let’s put our hypothetical baby boomer through another example. Our boomer decides to apply for Social Security at age 62 in 2017, yet stays in the workforce. If he/she earns more than $16,920 in 2017, the Social Security Administration will withhold $1 of every $2 earned over that amount.3

How does the SSA define “income”?

If you work for yourself, the SSA considers your net earnings from self-employment to be your income. If you work for an employer, your wages equal your earned income.3Please note that the SSA does not count investment earnings, interest, pensions, annuity income, and government or military retirement benefits toward the current $16,920 earnings limit.3

Some fine print worth noticing.

If you are self-employed, did you know that the SSA may define you as retired even if you aren’t? (This amounts to the SSA giving you a break.)For example, if you are eligible to receive Social Security benefits in 2017, yet remain under full retirement age for the whole year, the SSA will consider you “retired” if a) you work 45 hours or less per month at your business or work between 15-45 hours a month at a business in a highly skilled occupation, b) your monthly earnings from such self-employment are $1,410 or less.4Here’s the upside of all that: if you meet the two tests mentioned in the preceding paragraph, you are eligible to receive a full Social Security payment for any whole month of 2017 in which you are “retired” under these definitions. You can receive that monthly payment no matter what your earnings total for 2017.4

Learn more at socialsecurity.gov.

The SSA website is information packed and user friendly. One last, little reminder: if you don’t sign up for Social Security at your full retirement age, make sure that you at least sign up for Medicare at age 65.

Register to Attend our Next Educational Workshop

Join us at the Birmingham Botanical Gardens from 5:45 p.m. to 7:30 p.m. There is no cost to attend and a light supper will be provided. Click here to RSVP for this event or call Whitney at 205-967-4200.

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL 35243

Phone: 205-967-4200

Email: Meld@meldfinancial.com

www.meldfinancial.com

Securities offered through Triad Advisors.  Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment. «RepresentativeDisclosure»Citations.1 - blog.ssa.gov/2017-brings-new-changes-to-full-retirement-age/ [1/6/17]2 - fool.com/retirement/general/2016/04/25/3-facts-you-need-to-know-about-social-security-spo.aspx [4/25/16]3 - ssa.gov/planners/retire/whileworking2.html [4/12/17]4 - ssa.gov/planners/retire/rule.html [4/12/17]


Weekly Economic Update

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Meld Financial, Inc. Presents:

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Weekly Economic Update

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Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.0.91" background_layout="light"]“One’s dignity may be assaulted, vandalized and cruelly mocked, but it can never be taken away unless it is surrendered.” - Michael J. Fox[/et_pb_text][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.91" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_margin="||0px|" custom_padding="||0px|"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.0.91" background_layout="light"]Consider buying used capital equipment in good condition for your company rather than new equipment. Sometimes, lenders will auction off assets from foreclosed businesses. Through such auctions, you could, potentially, realize big savings.[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.91" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_margin="||0px|" custom_padding="||0px|"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.0.91" background_layout="light"]What flies without any wings?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.91" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_margin="||0px|" custom_padding="||0px|"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.0.91" background_layout="light"]What round, white container hides a tasty delight within it, and requires no keys to open?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.91" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_margin="||0px|" custom_padding="||0px|"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.0.91" background_layout="light" custom_padding="||250px|"]An egg.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.0.91" background_layout="light" background_color="#ffffff"]December 11, 2017ANOTHER MONTH OF SOLID HIRINGAccording to the Department of Labor, the U.S. workforce gained 228,000 more jobs than it lost during November. Annualized wage growth improved from 2.5% to 2.7%. The headline jobless rate held at 4.1% last month, while the U-6 rate, that includes the underemployed, ticked up a tenth of a percent to 8.0%. Even though October’s net job gain was revised down to 244,000, October-November 2017 represents the best two-month hiring period in more than a year.1,2ISM INDEX MISSES EXPECTATIONSThe Institute for Supply Management’s gauge of service sector activity fell 2.7 points to a still-impressive reading of 57.4 in November. Economists polled by Briefing.com expected a retreat, albeit a lesser one: they projected a reading of 59.3.2A SMALL DECLINE FOR CONSUMER SENTIMENT There was just a bit less optimism in households in early December, at least by the measure of the University of Michigan’s twice-monthly Surveys of Consumers. The preliminary December edition of the university’s consumer sentiment index fell 1.7 points from its final November reading to a mark of 96.8.2TWO OF THREE MAJOR INDICES RISEOnce again, the Nasdaq Composite gave up ground across five trading sessions while the S&P 500 and Dow Jones Industrial Average advanced. The tech benchmark lost only 0.11% last week on its way to a 6,840.08 Friday close. The same stretch brought gains of 0.40% for the Dow and 0.35% for the S&P; their respective Friday settlements were 24,329.16 and 2,651.50. Dropping 16.19% last week, the CBOE VIX volatility gauge went back under 10, closing Friday at 9.58. Settling at 1,521.72 Friday, the small-cap Russell 2000 lost 1.00% for the week.3THIS WEEK: Casey’s General Stores announces Q3 earnings Monday. Tuesday, the November Producer Price Index comes out, and Verifone presents Q3 results. The Federal Reserve is widely expected to raise the benchmark interest rate Wednesday; the November Consumer Price Index also appears for Wall Street’s consideration. Thursday brings federal government reports on initial jobless claims and November retail sales, plus earnings from Costco and Jabil Circuit. A Federal Reserve report on November industrial output arrives Friday.
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA+23.11+24.03+16.99+7.86
NASDAQ+27.07+26.26+25.94+15.28
S&P 500+18.43+18.04+17.40+7.62
REAL YIELD12/8 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.50%0.45%-0.86%1.86%
Sources: wsj.com, bigcharts.com, treasury.gov - 12/8/173,4,5,6Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

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[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.0.91" background_layout="light" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy.  The Russell 2000 measures the performance of approximately 2000 small-cap companies in the Russell 3000 Index, which is made up of 3000 of the biggest U.S. stocks. The CBOE Volatility Index® (VIX® Index®) is a key measure of market expectations of near-term volatility conveyed by S&P 500 stock index option prices. The NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. Citations.1 - fortune.com/2017/12/08/november-job-report-unemployment-rate/ [12/8/17]2 - briefing.com/investor/calendars/economic/ [12/8/17]3 - markets.wsj.com/us [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=12%2F8%2F16&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=12%2F8%2F16&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=12%2F8%2F16&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=12%2F7%2F12&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=12%2F7%2F12&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=12%2F7%2F12&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=12%2F7%2F07&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=12%2F7%2F07&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=12%2F7%2F07&x=0&y=0 [12/8/17]5 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [12/8/17]6 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [12/8/17][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Savvy Social Security Planning

[et_pb_section bb_built="1" _builder_version="3.0.91"][et_pb_row][et_pb_column type="4_4"][et_pb_image _builder_version="3.0.91" src="https://www.meldfinancial.com/wp-content/uploads/social-security-pension-financial-shield-v2.jpg" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" url="#register" /][et_pb_text _builder_version="3.0.91" background_layout="light"]Learn the best time to file for Social Security at our next Educational Workshop, “Savvy Social Security Planning” on January 30, 2018. Join us at the Birmingham Botanical Gardens from 5:45 p.m. to 7:30 p.m. There is no cost to attend and a light supper will be provided.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.88"][et_pb_column type="1_4"][/et_pb_column][et_pb_column type="1_2"][et_pb_code admin_label="Anchor Link - Code" _builder_version="3.0.91"]<p id="register"></p>[/et_pb_code][et_pb_code admin_label="Form - Code" _builder_version="3.0.88" text_orientation="center" custom_padding="12px|12px|12px|12px" custom_css_main_element="width:100%;" use_background_color_gradient="on" background_color_gradient_start="#009900" background_color_gradient_end="#2968ce"][gravityform id="3" title="true" description="false" ajax="true" tabindex="1"]<!-- [et_pb_line_break_holder] -->[/et_pb_code][et_pb_text admin_label="Disclosure - Text" _builder_version="3.0.88" background_layout="light"]

Securities Offered Through Triad Advisors Inc. Member FINRA/SIPC

Advisory Services Offered Through Meld Financial Inc.

Meld Financial Inc. and Triad Advisors Inc. Are Not Related

[/et_pb_text][/et_pb_column][et_pb_column type="1_4"][/et_pb_column][/et_pb_row][/et_pb_section]


Should You Apply for Social Security Now or Later?

Post It note with Retire in 5 years (marked out), 6 years (marked out), 10 years

When should you apply for benefits? Consider a few factors first.

Provided by Meld Financial, Inc.

Now or later?

When it comes to the question of Social Security income, the choice looms large. Should you apply now to get earlier payments? Or wait for a few years to get larger checks?

Consider what you know (and don’t know).

You know how much retirement money you have; you may have a clear projection of retirement income from other potential sources. Other factors aren’t as foreseeable. You don’t know exactly how long you will live, so you can’t predict your lifetime Social Security payout. You may even end up returning to work again.

When are you eligible to receive full benefits?

The answer may be found online at socialsecurity.gov/retire2/agereduction.htm.

How much smaller will your check be if you start receiving benefits at 62?

The answer varies. As an example, let’s take someone born in 1955. For this baby boomer, the full retirement age is 66 years and 2 months. If that boomer decides to retire in 2017 at 62, his or her monthly Social Security benefit will be reduced about 26%. That boomer’s spouse would see a 30% reduction in monthly benefits.1,2Should that boomer elect to work past full retirement age, his or her benefit checks will increase by 8.0% for every additional full year spent in the workforce. So, it really may pay to work longer.2

Remember the earnings limit.

Let’s put our hypothetical baby boomer through another example. Our boomer decides to apply for Social Security at age 62 in 2017, yet stays in the workforce. If he/she earns more than $16,920 in 2017, the Social Security Administration will withhold $1 of every $2 earned over that amount.3

How does the SSA define “income”?

If you work for yourself, the SSA considers your net earnings from self-employment to be your income. If you work for an employer, your wages equal your earned income.3Please note that the SSA does not count investment earnings, interest, pensions, annuity income, and government or military retirement benefits toward the current $16,920 earnings limit.3

Some fine print worth noticing.

If you are self-employed, did you know that the SSA may define you as retired even if you aren’t? (This amounts to the SSA giving you a break.)For example, if you are eligible to receive Social Security benefits in 2017, yet remain under full retirement age for the whole year, the SSA will consider you “retired” if a) you work 45 hours or less per month at your business or work between 15-45 hours a month at a business in a highly skilled occupation, b) your monthly earnings from such self-employment are $1,410 or less.4Here’s the upside of all that: if you meet the two tests mentioned in the preceding paragraph, you are eligible to receive a full Social Security payment for any whole month of 2017 in which you are “retired” under these definitions. You can receive that monthly payment no matter what your earnings total for 2017.4

Learn more at socialsecurity.gov.

The SSA website is information packed and user friendly. One last, little reminder: if you don’t sign up for Social Security at your full retirement age, make sure that you at least sign up for Medicare at age 65.

Register to Attend our Next Educational Workshop

Join us at the Birmingham Botanical Gardens from 5:45 p.m. to 7:30 p.m. There is no cost to attend and a light supper will be provided. Click here to RSVP for this event or call Whitney at 205-967-4200.

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL 35243

Phone: 205-967-4200

Email: Meld@meldfinancial.com

www.meldfinancial.com

Securities offered through Triad Advisors.  Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment. «RepresentativeDisclosure»Citations.1 - blog.ssa.gov/2017-brings-new-changes-to-full-retirement-age/ [1/6/17]2 - fool.com/retirement/general/2016/04/25/3-facts-you-need-to-know-about-social-security-spo.aspx [4/25/16]3 - ssa.gov/planners/retire/whileworking2.html [4/12/17]4 - ssa.gov/planners/retire/rule.html [4/12/17]


Weekly Economic Update

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Meld Financial, Inc. Presents:

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Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.91" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_margin="||0px|" custom_padding="||0px|"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.0.91" background_layout="light"]“One’s dignity may be assaulted, vandalized and cruelly mocked, but it can never be taken away unless it is surrendered.” - Michael J. Fox[/et_pb_text][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.91" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_margin="||0px|" custom_padding="||0px|"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.0.91" background_layout="light"]Consider buying used capital equipment in good condition for your company rather than new equipment. Sometimes, lenders will auction off assets from foreclosed businesses. Through such auctions, you could, potentially, realize big savings.[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.91" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_margin="||0px|" custom_padding="||0px|"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.0.91" background_layout="light"]What flies without any wings?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.91" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_margin="||0px|" custom_padding="||0px|"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.0.91" background_layout="light"]What round, white container hides a tasty delight within it, and requires no keys to open?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.91" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_margin="||0px|" custom_padding="||0px|"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.0.91" background_layout="light" custom_padding="||250px|"]An egg.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.0.91" background_layout="light" background_color="#ffffff"]December 11, 2017ANOTHER MONTH OF SOLID HIRINGAccording to the Department of Labor, the U.S. workforce gained 228,000 more jobs than it lost during November. Annualized wage growth improved from 2.5% to 2.7%. The headline jobless rate held at 4.1% last month, while the U-6 rate, that includes the underemployed, ticked up a tenth of a percent to 8.0%. Even though October’s net job gain was revised down to 244,000, October-November 2017 represents the best two-month hiring period in more than a year.1,2ISM INDEX MISSES EXPECTATIONSThe Institute for Supply Management’s gauge of service sector activity fell 2.7 points to a still-impressive reading of 57.4 in November. Economists polled by Briefing.com expected a retreat, albeit a lesser one: they projected a reading of 59.3.2A SMALL DECLINE FOR CONSUMER SENTIMENT There was just a bit less optimism in households in early December, at least by the measure of the University of Michigan’s twice-monthly Surveys of Consumers. The preliminary December edition of the university’s consumer sentiment index fell 1.7 points from its final November reading to a mark of 96.8.2TWO OF THREE MAJOR INDICES RISEOnce again, the Nasdaq Composite gave up ground across five trading sessions while the S&P 500 and Dow Jones Industrial Average advanced. The tech benchmark lost only 0.11% last week on its way to a 6,840.08 Friday close. The same stretch brought gains of 0.40% for the Dow and 0.35% for the S&P; their respective Friday settlements were 24,329.16 and 2,651.50. Dropping 16.19% last week, the CBOE VIX volatility gauge went back under 10, closing Friday at 9.58. Settling at 1,521.72 Friday, the small-cap Russell 2000 lost 1.00% for the week.3THIS WEEK: Casey’s General Stores announces Q3 earnings Monday. Tuesday, the November Producer Price Index comes out, and Verifone presents Q3 results. The Federal Reserve is widely expected to raise the benchmark interest rate Wednesday; the November Consumer Price Index also appears for Wall Street’s consideration. Thursday brings federal government reports on initial jobless claims and November retail sales, plus earnings from Costco and Jabil Circuit. A Federal Reserve report on November industrial output arrives Friday.
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA+23.11+24.03+16.99+7.86
NASDAQ+27.07+26.26+25.94+15.28
S&P 500+18.43+18.04+17.40+7.62
REAL YIELD12/8 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.50%0.45%-0.86%1.86%
Sources: wsj.com, bigcharts.com, treasury.gov - 12/8/173,4,5,6Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

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[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.0.91" background_layout="light" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy.  The Russell 2000 measures the performance of approximately 2000 small-cap companies in the Russell 3000 Index, which is made up of 3000 of the biggest U.S. stocks. The CBOE Volatility Index® (VIX® Index®) is a key measure of market expectations of near-term volatility conveyed by S&P 500 stock index option prices. The NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. Citations.1 - fortune.com/2017/12/08/november-job-report-unemployment-rate/ [12/8/17]2 - briefing.com/investor/calendars/economic/ [12/8/17]3 - markets.wsj.com/us [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=12%2F8%2F16&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=12%2F8%2F16&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=12%2F8%2F16&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=12%2F7%2F12&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=12%2F7%2F12&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=12%2F7%2F12&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=12%2F7%2F07&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=12%2F7%2F07&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=12%2F7%2F07&x=0&y=0 [12/8/17]5 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [12/8/17]6 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [12/8/17][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Savvy Social Security Planning

[et_pb_section bb_built="1" _builder_version="3.0.91"][et_pb_row][et_pb_column type="4_4"][et_pb_image _builder_version="3.0.91" src="https://www.meldfinancial.com/wp-content/uploads/social-security-pension-financial-shield-v2.jpg" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" url="#register" /][et_pb_text _builder_version="3.0.91" background_layout="light"]Learn the best time to file for Social Security at our next Educational Workshop, “Savvy Social Security Planning” on January 30, 2018. Join us at the Birmingham Botanical Gardens from 5:45 p.m. to 7:30 p.m. There is no cost to attend and a light supper will be provided.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.88"][et_pb_column type="1_4"][/et_pb_column][et_pb_column type="1_2"][et_pb_code admin_label="Anchor Link - Code" _builder_version="3.0.91"]<p id="register"></p>[/et_pb_code][et_pb_code admin_label="Form - Code" _builder_version="3.0.88" text_orientation="center" custom_padding="12px|12px|12px|12px" custom_css_main_element="width:100%;" use_background_color_gradient="on" background_color_gradient_start="#009900" background_color_gradient_end="#2968ce"][gravityform id="3" title="true" description="false" ajax="true" tabindex="1"]<!-- [et_pb_line_break_holder] -->[/et_pb_code][et_pb_text admin_label="Disclosure - Text" _builder_version="3.0.88" background_layout="light"]

Securities Offered Through Triad Advisors Inc. Member FINRA/SIPC

Advisory Services Offered Through Meld Financial Inc.

Meld Financial Inc. and Triad Advisors Inc. Are Not Related

[/et_pb_text][/et_pb_column][et_pb_column type="1_4"][/et_pb_column][/et_pb_row][/et_pb_section]


Should You Apply for Social Security Now or Later?

Post It note with Retire in 5 years (marked out), 6 years (marked out), 10 years

When should you apply for benefits? Consider a few factors first.

Provided by Meld Financial, Inc.

Now or later?

When it comes to the question of Social Security income, the choice looms large. Should you apply now to get earlier payments? Or wait for a few years to get larger checks?

Consider what you know (and don’t know).

You know how much retirement money you have; you may have a clear projection of retirement income from other potential sources. Other factors aren’t as foreseeable. You don’t know exactly how long you will live, so you can’t predict your lifetime Social Security payout. You may even end up returning to work again.

When are you eligible to receive full benefits?

The answer may be found online at socialsecurity.gov/retire2/agereduction.htm.

How much smaller will your check be if you start receiving benefits at 62?

The answer varies. As an example, let’s take someone born in 1955. For this baby boomer, the full retirement age is 66 years and 2 months. If that boomer decides to retire in 2017 at 62, his or her monthly Social Security benefit will be reduced about 26%. That boomer’s spouse would see a 30% reduction in monthly benefits.1,2Should that boomer elect to work past full retirement age, his or her benefit checks will increase by 8.0% for every additional full year spent in the workforce. So, it really may pay to work longer.2

Remember the earnings limit.

Let’s put our hypothetical baby boomer through another example. Our boomer decides to apply for Social Security at age 62 in 2017, yet stays in the workforce. If he/she earns more than $16,920 in 2017, the Social Security Administration will withhold $1 of every $2 earned over that amount.3

How does the SSA define “income”?

If you work for yourself, the SSA considers your net earnings from self-employment to be your income. If you work for an employer, your wages equal your earned income.3Please note that the SSA does not count investment earnings, interest, pensions, annuity income, and government or military retirement benefits toward the current $16,920 earnings limit.3

Some fine print worth noticing.

If you are self-employed, did you know that the SSA may define you as retired even if you aren’t? (This amounts to the SSA giving you a break.)For example, if you are eligible to receive Social Security benefits in 2017, yet remain under full retirement age for the whole year, the SSA will consider you “retired” if a) you work 45 hours or less per month at your business or work between 15-45 hours a month at a business in a highly skilled occupation, b) your monthly earnings from such self-employment are $1,410 or less.4Here’s the upside of all that: if you meet the two tests mentioned in the preceding paragraph, you are eligible to receive a full Social Security payment for any whole month of 2017 in which you are “retired” under these definitions. You can receive that monthly payment no matter what your earnings total for 2017.4

Learn more at socialsecurity.gov.

The SSA website is information packed and user friendly. One last, little reminder: if you don’t sign up for Social Security at your full retirement age, make sure that you at least sign up for Medicare at age 65.

Register to Attend our Next Educational Workshop

Join us at the Birmingham Botanical Gardens from 5:45 p.m. to 7:30 p.m. There is no cost to attend and a light supper will be provided. Click here to RSVP for this event or call Whitney at 205-967-4200.

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL 35243

Phone: 205-967-4200

Email: Meld@meldfinancial.com

www.meldfinancial.com

Securities offered through Triad Advisors.  Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment. «RepresentativeDisclosure»Citations.1 - blog.ssa.gov/2017-brings-new-changes-to-full-retirement-age/ [1/6/17]2 - fool.com/retirement/general/2016/04/25/3-facts-you-need-to-know-about-social-security-spo.aspx [4/25/16]3 - ssa.gov/planners/retire/whileworking2.html [4/12/17]4 - ssa.gov/planners/retire/rule.html [4/12/17]


Weekly Economic Update

[et_pb_section bb_built="1" _builder_version="3.0.87" custom_margin="0px|||" custom_padding="0px|||"][et_pb_row _builder_version="3.0.86" custom_margin="||0px|" custom_padding="||0px|"][et_pb_column type="4_4"][et_pb_image admin_label="WEU - Image" _builder_version="3.0.89" src="https://www.meldfinancial.com/wp-content/uploads/WEU-Pic-1200x628.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" custom_padding="||20px|" /][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc. Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H1 - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.91" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_margin="||0px|" custom_padding="||0px|"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.0.91" background_layout="light"]“One’s dignity may be assaulted, vandalized and cruelly mocked, but it can never be taken away unless it is surrendered.” - Michael J. Fox[/et_pb_text][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.91" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_margin="||0px|" custom_padding="||0px|"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.0.91" background_layout="light"]Consider buying used capital equipment in good condition for your company rather than new equipment. Sometimes, lenders will auction off assets from foreclosed businesses. Through such auctions, you could, potentially, realize big savings.[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.91" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_margin="||0px|" custom_padding="||0px|"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.0.91" background_layout="light"]What flies without any wings?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.91" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_margin="||0px|" custom_padding="||0px|"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.0.91" background_layout="light"]What round, white container hides a tasty delight within it, and requires no keys to open?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.91" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_margin="||0px|" custom_padding="||0px|"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.0.91" background_layout="light" custom_padding="||250px|"]An egg.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.0.91" background_layout="light" background_color="#ffffff"]December 11, 2017ANOTHER MONTH OF SOLID HIRINGAccording to the Department of Labor, the U.S. workforce gained 228,000 more jobs than it lost during November. Annualized wage growth improved from 2.5% to 2.7%. The headline jobless rate held at 4.1% last month, while the U-6 rate, that includes the underemployed, ticked up a tenth of a percent to 8.0%. Even though October’s net job gain was revised down to 244,000, October-November 2017 represents the best two-month hiring period in more than a year.1,2ISM INDEX MISSES EXPECTATIONSThe Institute for Supply Management’s gauge of service sector activity fell 2.7 points to a still-impressive reading of 57.4 in November. Economists polled by Briefing.com expected a retreat, albeit a lesser one: they projected a reading of 59.3.2A SMALL DECLINE FOR CONSUMER SENTIMENT There was just a bit less optimism in households in early December, at least by the measure of the University of Michigan’s twice-monthly Surveys of Consumers. The preliminary December edition of the university’s consumer sentiment index fell 1.7 points from its final November reading to a mark of 96.8.2TWO OF THREE MAJOR INDICES RISEOnce again, the Nasdaq Composite gave up ground across five trading sessions while the S&P 500 and Dow Jones Industrial Average advanced. The tech benchmark lost only 0.11% last week on its way to a 6,840.08 Friday close. The same stretch brought gains of 0.40% for the Dow and 0.35% for the S&P; their respective Friday settlements were 24,329.16 and 2,651.50. Dropping 16.19% last week, the CBOE VIX volatility gauge went back under 10, closing Friday at 9.58. Settling at 1,521.72 Friday, the small-cap Russell 2000 lost 1.00% for the week.3THIS WEEK: Casey’s General Stores announces Q3 earnings Monday. Tuesday, the November Producer Price Index comes out, and Verifone presents Q3 results. The Federal Reserve is widely expected to raise the benchmark interest rate Wednesday; the November Consumer Price Index also appears for Wall Street’s consideration. Thursday brings federal government reports on initial jobless claims and November retail sales, plus earnings from Costco and Jabil Circuit. A Federal Reserve report on November industrial output arrives Friday.
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA+23.11+24.03+16.99+7.86
NASDAQ+27.07+26.26+25.94+15.28
S&P 500+18.43+18.04+17.40+7.62
REAL YIELD12/8 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.50%0.45%-0.86%1.86%
Sources: wsj.com, bigcharts.com, treasury.gov - 12/8/173,4,5,6Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Please feel free to forward this article to family, friends or colleagues. Convenient share buttons are located to the left of this page. If you would like us to add them to our distribution list, please reply with their address. We will contact them first and request their permission to add them to our list.

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.0.91" background_layout="light" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy.  The Russell 2000 measures the performance of approximately 2000 small-cap companies in the Russell 3000 Index, which is made up of 3000 of the biggest U.S. stocks. The CBOE Volatility Index® (VIX® Index®) is a key measure of market expectations of near-term volatility conveyed by S&P 500 stock index option prices. The NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. Citations.1 - fortune.com/2017/12/08/november-job-report-unemployment-rate/ [12/8/17]2 - briefing.com/investor/calendars/economic/ [12/8/17]3 - markets.wsj.com/us [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=12%2F8%2F16&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=12%2F8%2F16&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=12%2F8%2F16&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=12%2F7%2F12&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=12%2F7%2F12&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=12%2F7%2F12&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=12%2F7%2F07&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=12%2F7%2F07&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=12%2F7%2F07&x=0&y=0 [12/8/17]5 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [12/8/17]6 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [12/8/17][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Savvy Social Security Planning

[et_pb_section bb_built="1" _builder_version="3.0.91"][et_pb_row][et_pb_column type="4_4"][et_pb_image _builder_version="3.0.91" src="https://www.meldfinancial.com/wp-content/uploads/social-security-pension-financial-shield-v2.jpg" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" url="#register" /][et_pb_text _builder_version="3.0.91" background_layout="light"]Learn the best time to file for Social Security at our next Educational Workshop, “Savvy Social Security Planning” on January 30, 2018. Join us at the Birmingham Botanical Gardens from 5:45 p.m. to 7:30 p.m. There is no cost to attend and a light supper will be provided.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.88"][et_pb_column type="1_4"][/et_pb_column][et_pb_column type="1_2"][et_pb_code admin_label="Anchor Link - Code" _builder_version="3.0.91"]<p id="register"></p>[/et_pb_code][et_pb_code admin_label="Form - Code" _builder_version="3.0.88" text_orientation="center" custom_padding="12px|12px|12px|12px" custom_css_main_element="width:100%;" use_background_color_gradient="on" background_color_gradient_start="#009900" background_color_gradient_end="#2968ce"][gravityform id="3" title="true" description="false" ajax="true" tabindex="1"]<!-- [et_pb_line_break_holder] -->[/et_pb_code][et_pb_text admin_label="Disclosure - Text" _builder_version="3.0.88" background_layout="light"]

Securities Offered Through Triad Advisors Inc. Member FINRA/SIPC

Advisory Services Offered Through Meld Financial Inc.

Meld Financial Inc. and Triad Advisors Inc. Are Not Related

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Should You Apply for Social Security Now or Later?

Post It note with Retire in 5 years (marked out), 6 years (marked out), 10 years

When should you apply for benefits? Consider a few factors first.

Provided by Meld Financial, Inc.

Now or later?

When it comes to the question of Social Security income, the choice looms large. Should you apply now to get earlier payments? Or wait for a few years to get larger checks?

Consider what you know (and don’t know).

You know how much retirement money you have; you may have a clear projection of retirement income from other potential sources. Other factors aren’t as foreseeable. You don’t know exactly how long you will live, so you can’t predict your lifetime Social Security payout. You may even end up returning to work again.

When are you eligible to receive full benefits?

The answer may be found online at socialsecurity.gov/retire2/agereduction.htm.

How much smaller will your check be if you start receiving benefits at 62?

The answer varies. As an example, let’s take someone born in 1955. For this baby boomer, the full retirement age is 66 years and 2 months. If that boomer decides to retire in 2017 at 62, his or her monthly Social Security benefit will be reduced about 26%. That boomer’s spouse would see a 30% reduction in monthly benefits.1,2Should that boomer elect to work past full retirement age, his or her benefit checks will increase by 8.0% for every additional full year spent in the workforce. So, it really may pay to work longer.2

Remember the earnings limit.

Let’s put our hypothetical baby boomer through another example. Our boomer decides to apply for Social Security at age 62 in 2017, yet stays in the workforce. If he/she earns more than $16,920 in 2017, the Social Security Administration will withhold $1 of every $2 earned over that amount.3

How does the SSA define “income”?

If you work for yourself, the SSA considers your net earnings from self-employment to be your income. If you work for an employer, your wages equal your earned income.3Please note that the SSA does not count investment earnings, interest, pensions, annuity income, and government or military retirement benefits toward the current $16,920 earnings limit.3

Some fine print worth noticing.

If you are self-employed, did you know that the SSA may define you as retired even if you aren’t? (This amounts to the SSA giving you a break.)For example, if you are eligible to receive Social Security benefits in 2017, yet remain under full retirement age for the whole year, the SSA will consider you “retired” if a) you work 45 hours or less per month at your business or work between 15-45 hours a month at a business in a highly skilled occupation, b) your monthly earnings from such self-employment are $1,410 or less.4Here’s the upside of all that: if you meet the two tests mentioned in the preceding paragraph, you are eligible to receive a full Social Security payment for any whole month of 2017 in which you are “retired” under these definitions. You can receive that monthly payment no matter what your earnings total for 2017.4

Learn more at socialsecurity.gov.

The SSA website is information packed and user friendly. One last, little reminder: if you don’t sign up for Social Security at your full retirement age, make sure that you at least sign up for Medicare at age 65.

Register to Attend our Next Educational Workshop

Join us at the Birmingham Botanical Gardens from 5:45 p.m. to 7:30 p.m. There is no cost to attend and a light supper will be provided. Click here to RSVP for this event or call Whitney at 205-967-4200.

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL 35243

Phone: 205-967-4200

Email: Meld@meldfinancial.com

www.meldfinancial.com

Securities offered through Triad Advisors.  Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment. «RepresentativeDisclosure»Citations.1 - blog.ssa.gov/2017-brings-new-changes-to-full-retirement-age/ [1/6/17]2 - fool.com/retirement/general/2016/04/25/3-facts-you-need-to-know-about-social-security-spo.aspx [4/25/16]3 - ssa.gov/planners/retire/whileworking2.html [4/12/17]4 - ssa.gov/planners/retire/rule.html [4/12/17]


Weekly Economic Update

[et_pb_section bb_built="1" _builder_version="3.0.87" custom_margin="0px|||" custom_padding="0px|||"][et_pb_row _builder_version="3.0.86" custom_margin="||0px|" custom_padding="||0px|"][et_pb_column type="4_4"][et_pb_image admin_label="WEU - Image" _builder_version="3.0.89" src="https://www.meldfinancial.com/wp-content/uploads/WEU-Pic-1200x628.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" custom_padding="||20px|" /][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc. Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H1 - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.91" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_margin="||0px|" custom_padding="||0px|"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.0.91" background_layout="light"]“One’s dignity may be assaulted, vandalized and cruelly mocked, but it can never be taken away unless it is surrendered.” - Michael J. Fox[/et_pb_text][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.91" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_margin="||0px|" custom_padding="||0px|"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.0.91" background_layout="light"]Consider buying used capital equipment in good condition for your company rather than new equipment. Sometimes, lenders will auction off assets from foreclosed businesses. Through such auctions, you could, potentially, realize big savings.[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.91" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_margin="||0px|" custom_padding="||0px|"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.0.91" background_layout="light"]What flies without any wings?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.91" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_margin="||0px|" custom_padding="||0px|"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.0.91" background_layout="light"]What round, white container hides a tasty delight within it, and requires no keys to open?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.91" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_margin="||0px|" custom_padding="||0px|"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.0.91" background_layout="light" custom_padding="||250px|"]An egg.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.0.91" background_layout="light" background_color="#ffffff"]December 11, 2017ANOTHER MONTH OF SOLID HIRINGAccording to the Department of Labor, the U.S. workforce gained 228,000 more jobs than it lost during November. Annualized wage growth improved from 2.5% to 2.7%. The headline jobless rate held at 4.1% last month, while the U-6 rate, that includes the underemployed, ticked up a tenth of a percent to 8.0%. Even though October’s net job gain was revised down to 244,000, October-November 2017 represents the best two-month hiring period in more than a year.1,2ISM INDEX MISSES EXPECTATIONSThe Institute for Supply Management’s gauge of service sector activity fell 2.7 points to a still-impressive reading of 57.4 in November. Economists polled by Briefing.com expected a retreat, albeit a lesser one: they projected a reading of 59.3.2A SMALL DECLINE FOR CONSUMER SENTIMENT There was just a bit less optimism in households in early December, at least by the measure of the University of Michigan’s twice-monthly Surveys of Consumers. The preliminary December edition of the university’s consumer sentiment index fell 1.7 points from its final November reading to a mark of 96.8.2TWO OF THREE MAJOR INDICES RISEOnce again, the Nasdaq Composite gave up ground across five trading sessions while the S&P 500 and Dow Jones Industrial Average advanced. The tech benchmark lost only 0.11% last week on its way to a 6,840.08 Friday close. The same stretch brought gains of 0.40% for the Dow and 0.35% for the S&P; their respective Friday settlements were 24,329.16 and 2,651.50. Dropping 16.19% last week, the CBOE VIX volatility gauge went back under 10, closing Friday at 9.58. Settling at 1,521.72 Friday, the small-cap Russell 2000 lost 1.00% for the week.3THIS WEEK: Casey’s General Stores announces Q3 earnings Monday. Tuesday, the November Producer Price Index comes out, and Verifone presents Q3 results. The Federal Reserve is widely expected to raise the benchmark interest rate Wednesday; the November Consumer Price Index also appears for Wall Street’s consideration. Thursday brings federal government reports on initial jobless claims and November retail sales, plus earnings from Costco and Jabil Circuit. A Federal Reserve report on November industrial output arrives Friday.
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA+23.11+24.03+16.99+7.86
NASDAQ+27.07+26.26+25.94+15.28
S&P 500+18.43+18.04+17.40+7.62
REAL YIELD12/8 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.50%0.45%-0.86%1.86%
Sources: wsj.com, bigcharts.com, treasury.gov - 12/8/173,4,5,6Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

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[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.0.91" background_layout="light" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy.  The Russell 2000 measures the performance of approximately 2000 small-cap companies in the Russell 3000 Index, which is made up of 3000 of the biggest U.S. stocks. The CBOE Volatility Index® (VIX® Index®) is a key measure of market expectations of near-term volatility conveyed by S&P 500 stock index option prices. The NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. Citations.1 - fortune.com/2017/12/08/november-job-report-unemployment-rate/ [12/8/17]2 - briefing.com/investor/calendars/economic/ [12/8/17]3 - markets.wsj.com/us [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=12%2F8%2F16&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=12%2F8%2F16&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=12%2F8%2F16&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=12%2F7%2F12&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=12%2F7%2F12&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=12%2F7%2F12&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=12%2F7%2F07&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=12%2F7%2F07&x=0&y=0 [12/8/17]4 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=12%2F7%2F07&x=0&y=0 [12/8/17]5 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [12/8/17]6 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [12/8/17][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


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