The October personal finance newsletter is now available. It includes the 2013 social security cost of living adjustment and maximum earnings level just announced this morning. A detailed review of the 3rd quarter investment market performance, plus 2012 year-to-date information is also covered. In addition, we also have a very special guest article from Eric L. Weiner, MSW, PhD, on writing an ethical will. Plus, your flexible spending account and over-the-counter medications, and my Q&A on what you should be doing now about potential 2013 tax changes. Click here to read the newsletter.