April 2013- Letter from the CEO


April 2013
The Purpose of My E-NewsletterI hope you enjoy receiving my e-newsletter.  It is intended to enhance and complement the personalized service that you already receive from me.  The e-newsletter’s main objective is to ensure, regardless of busy work schedules and travel plans, that each of my clients will receive at least a minimal amount of timely advice on a regular basis.  I also hope it will stimulate your thinking on issues related to your personal finances by providing you with articles on a variety of financial topics.  Please feel free to call or e-mail me with any questions or comments, particularly with regard to the applicability of a given idea to your personal situation.
Is a College Degree Still Worth the Cost? 
You’ve probably heard the horror stories: recent graduates from well-known colleges and universities leave with a mountain of debt, can’t find a job, default on their loans, and move into their parents’ basements. Against the background of headlines of soaring college costs, tales like this have prompted many to ask whether a college education is really worth the expense.
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Is Saving 10% Enough?
A common rule of thumb when planning for retirement is to save 10% of your gross income during your working years. Since this rule of thumb has been around for a long time, it’s logical to question whether it’s still an appropriate guideline. Several trends suggest that it is probably on the low side:
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The Perilous State of Pension Plans
If you’re among the minority of American workers who are still covered by a pension plan, take note: state and private pensions all across the country are under financial stress and may not be able to pay out promised benefits in full.
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Review Your Homeowners Insurance
Often, homeowners insurance is purchased with the home and then is not thought about again until a claim is made. But since there is little you can do at that point about your coverage, take time periodically to review your policy. Some items to consider include…
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A Budget for Your College Student
Many students will first handle money without parental supervision during college. To help keep expenses down and avoid conflicts, you might want to develop a budget to guide your child’s spending. As you go through the process, consider the following…
[FULL ARTICLE]

 

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