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   4th Quarter 2005   Proactive & Prepared for 2006

Dear Subscriber,

The last few months have given all of us reasons to think about how we can be prepared for the unexpected. From a financial perspective, preparation takes a lot of forms. From saving energy to protecting financial documents, there are a lot of things you can do to get organized and be proactive in 2006.
Eye On Energy: Ways to Conserve
From your computer to your heating, there are a number of ways that you can trim some dollars from your energy bills.
Learn more
Life Stages: For Love or Money
Whether you're getting ready to walk down the aisle, send a child to college or care for an aging parent or relative, financial conversations change as your life does.
Learn more
Getting the Full Picture on Fraud
There's a lot of media coverage about online fraud, but that's just one small piece of the picture.
Learn more
When Disaster Strikes: Protecting Your Documents
Are your most important documents and most precious memories protected?
Learn more
Getting the Most Out of Your Year-End Bonus or Tax Refund
Before you treat yourself to a flat screen TV, consider the best way to maximize your bonus or refund.
Learn more
Retirement Planning: Which IRA is right for You?
As tax time approaches, you don't have to scratch your head. We're here to guide you.
Learn more
Sincerely,

Joy Alexander
Editor, Wachovia eNewsletter
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