Bensman Risk Management, Inc.

Insurable Interests

Bensman Risk Management, Inc.
2333 Waukegan Road Suite 275
Bannockburn, IL 60015
847-572-0800 Phone
847-572-0502 Fax

Insurable Interests may offer general financial, insurance, tax and business ideas. However, due to the ever-changing tax laws as well as the complexity of the financial industry, you should seek professional advice before implementing any of the ideas contained in this newsletter. The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc. or Schemata, L.L.C. assumes no liability whatsoever in connection with the use of this newsletter.

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Securities offered through Kestra Investment Services, LLC (Kestra IS), Member FINRA/SIPC. Investment Advisory Services offered through Kestra Advisory Services, LLC (Kestra AS). Kestra IS and Kestra AS are not affiliated with The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc. or Schemata, L.L.C.

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Insurable Interests

Vol. 3, Issue 4December 2007

New Rules for Young Drivers
The State of Illinois has new rules designed to better prepare young people for driving. The rules take effect Jan. 1, 2008, and they apply to 15-year-olds getting their learner's permit as well as to recently licensed young drivers. READ MORE...

Budget to Save
As you make your resolutions for the new year, move this one to the top of the list: Resolve to draw up a budget that includes saving and then stick to it. READ MORE...

Smaller Homes
During the white-hot housing market of the last several years, it seemed that everyone was going big, knocking down modest homes and putting up McMansions. But increasingly, people are thinking that smaller may be better. READ MORE...

Off-Season Travel
Even pricey vacations can become much more affordable if you travel during the off-season. And as a bonus, you can avoid crowds and enjoy the local ambiance. READ MORE...


As we approach year-end, it's always a good idea to review your entire tax situation with your tax advisor and to review your capital gains tax situation with your investment advisor. If you have investments that have decreased in value, consider selling them to offset any capital gains that you may have. Short-term capital gains are taxed at the taxpayer's highest tax rate, while long-term gains are taxed at the long-term capital gains rate, which is currently 15 percent. Paying less in taxes is usually beneficial, but be careful not to let the "tax tail wag the investment dog." In other words, make sure any decisions made for tax purposes do not negatively impact your investments.

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