Our 3 percent increase in net income was driven by strong loan growth, an improved net interest margin and controlled growth of non-interest expense.

This would be a tax increase on low and middle-income Americans. They are the ones who are buying the shoes and clothing and toys coming from China.

This would be a tax increase on low and middle-income Americans.

Older adults have the interest and the disposable income, so the industry can't afford to take them for granted. To spur greater sales among this audience, it's important to make them aware of available music that might interest them, so they shop for music more often.

Once you hit that income level, you can't take as much of a write-off on your mortgage interest, your taxes or your charitable contributions. It used to be that if your adjusted gross income was more than $126,000, we'd tell you to buy a bigger house for the write-off, but not anymore.

That difference of roughly 1.5 percentage points is enough to generate $150 in interest income that you'd otherwise leave on the table with a $10,000 investment.