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Holiday Preparations

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As we enter the last month of the year, two things are right around the corner - holiday gift giving and tax-time. This month, I'd like to offer a little advice on how to be prepared for both.

Holiday Gift Giving

All reports from Black Friday and Cyber Monday indicate that this is shaping up to be a good year for holiday gift-giving. It appears that a record number of shoppers visited stores and websites during the kick-off to holiday shopping and that average spending per person rose 9.1% over last year.

While this is good news for retailers, it also means that consumers are loosening their wallets and spending more than they have in recent years. For many people, this means running up big credit card bills because they have not set aside money during the year to pay for these holiday purchases.

At Middleburg Bank, we have two great ways to help you build a nest egg for next year's holiday shopping:

Tax Planning

A few simple steps in December can make a significant difference on April 15th. If you want to minimize your tax bill, here are four year-end tax planning tips to consider.

Of course, you should consult with your tax advisor on any of these tax planning strategies to see if they apply to your specific situation.

I hope you have a great December and a wonderful Christmas and holiday season, taking a moment or two to reflect upon our many blessings over the past year.

As always, if you have a suggestion that would make your banking experience with Middleburg Bank even better, please send me an email at

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