Happy Thanksgiving!



Holt Pros wishes you and your family a very Happy Thanksgiving!



Get Ready to Save $$$

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Learn how to get financial peace while saving money at Dave Ramsey’s 50% off sale.

Visit the website for more information at daveramsey.com










How to Plan Your Social Security Benefits

social.securityPlanning is important for financial success. Understanding how to properly plan for claiming your Social Security Benefits can be critical in its affect on your lifetime income. The Consumer Financial Protection Bureau has an interactive benefit calculator available to assist you. You can explore your options for claiming your Social Security Benefits and it can help you make a decision of when to claim your benefits.

Interactive Social Security Retirement Benefit Calculator


Loving Senior Couple

9 – 11 We Remember!

We Remember 9 11 Soldiers

Happy Labor Day!

Labor Day Family Circus Cartoon

Tax Tips – Is It Tax Deductible? – Volunteer Services

Tax TipsLearn tax tips so you will be informed and can save money on taxes!

Question – Are volunteering services Tax Deductible?

Example – You are volunteering your services as a carpenter to a non-profit community home-builder. Nice tax deduction, right?

Answer – True or False?


The answer is FALSE.

There is no deduction for the value of your time or labor donated to a charity. (Think about it: If you were paid for your labor, you’d have to add that amount to your taxable income. If you then turned around and donated the cash back to the charity, you would earn a charitable deduction to offset the tax bill on the income. The no pay/no deduction rule leaves you in the same position.)Gifts to Charity Donation Tax ReturnBut you can deduct the cost of any materials you donate and 14 cents per mile for using your car in connection with your charitable work.



Everybody Has To Pay This New Obamacare Tax

Affordable Care ActNews from the Daily Caller News Foundation as written by Richard Pollock, states, “Everybody has to pay this new Obamacare Tax“.

All Americans who bought health insurance policies this year – not just those enrolled in Obamacare – face a 41 percent increase in excise taxes because of hidden fees contained in an obscure section of the Affordable Care Act, according to an investigation by The Daily Caller News Foundation.

Virtually everyone who pays for health care insurance this year will be affected by the tax. The little-known tax was imposed on all consumers regardless of whether they obtained their insurance through Obamacare or through their employer or as individuals in the private market.

This year the tax will cost individuals more than $500 in extra premiums according to one actuarial estimate. Families who purchased insurance will see their premiums go up by more than $700.

The new tax also hits senior citizens who rely on Medicare Part D and Medicare Advantage. It will land on the nation’s poor who depend upon Medicaid-managed care programs.

The 41 percent sticker shock increase doesn’t stop in 2015, however. Over the next four years, the statutorily mandated Obamacare fees are expected to double again.

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