The interest rate differential is huge between fixed- income investments domestically and abroad.

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.

The state of Virginia gets its primary revenues from income tax. Virginia, as a state, has very little interest in taking your property. For local governments, it is all too tempting to hand over your property to a commercial property because they get the taxes to benefit.

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.