WH Cornerstone Investments Newsletter
Working with you to achieve a future that is greater than your past
When it comes to investment recommendations, the
Registered Investment Advisors (which we at WH
Cornerstone are) to a higher standard than
brokers. An advisor is required to act as a client's
fiduciary, while a broker's advice may be viewed as
merely incidental to his or her role as agent
for a client. With brokerage firms increasingly pushing
their brokers to grow their fee-based business in
recent years, the lines separating advisors from
brokers have blurred. That said, nothing has changed
the fact that as part of a registered investment
advisor's fiduciary duty, we must always act in
their clients' best interests. We here at WH
Cornerstone take our fiduciary duty very seriously.
Ask us about it.
Time to Share. Create a Buzz.
WARM2Kids was founded in 2002 by former
Boston Celtic M.L. Carr. Their mission is to inform,
inspire and instruct teens to make
positive life decisions. After retiring with the
Celtics, M.L. teamed up with Bank of Boston on the
“M.L. Carr Challenge – Stand Tall Against Drugs”
campaign. Through his talks with students M.L.
realized that teens have no one to turn to when they
needed help and parents have a hard time talking to
their kids about problems. Realizing this issue, M.L
envisioned WARM2Kids, a company based on
that despite our flaws We’re All Role Models
(W.A.R.M.). M.L. decided he would use the internet
to show this message to the world. WARM2Ki
provides a place that’s open around the clock for
teens to find solutions to their problems.
Only 10 days left! A ticket to
ride...driving the Phil to new
Keep "excellent music close to home" by purchasing
your raffle ticket to support the Plymouth
Philharmonic Orchestra and its educational programs.
Only 1,000 tickets sold at $100 each so your
are 1000-to-1 with one ticket!
Winner receives $25,000 in cash or
$35,000 gift certificate to
Colonial Ford in Plymouth.
Winner announced September 30, 2006 at the
Phil's opening night at Memorial Hall in
Plymouth. Winner need not be present.
For more info, call the Phil 508-746-8008 or
purchase your ticket on
Cheers—Paula and Bill Harris
What works: Your worst enemy...overspending
How much you spend matters much more than how much you earn.
As a senior investment analyst at Vanguard, John
Ameriks has a close-up view of how well shareholders
save for retirement. And he's come to a conclusion:
How much money you make matters a whole lot less
than how much you spend.
Considering buyout offers
Ford says it will soon offer buyouts to 75,000 workers; what exactly should you think about if you're offered a buyout plan?
Ford Motor Company unveiled a plan that would cut a
third of its employees. Ford also said it would
offer buyouts for 75,000 hourly employees. Buyouts
are nothing new in the auto world. Recently General
Motors and Delphi offered thousands of employees
buyouts just a few months ago. So, what if you're
facing the decision to take a buyout or not...we'll
tell you what you need to consider on top tips.
Got a minute?
In the time it takes you to drink your morning coffee, you can start a business.
There's nothing as fragile as a great
idea--especially a great business idea. With that in
mind, how do you develop a new business idea so
it not only gains momentum, but actually takes on a
life of its own? You have to make the
commitment--stick with it and follow through.
No place like home
Will baby boomers tap home equity to survive retirement? Not necessarily.
Many pre-retirees are seemingly banking on turning
the equity in their homes into income. But this
week's dramatic drop in home sales combined with a
new report that examines older adults and their
housing clearly demonstrate that Americans need
Five ways to slash car insurance costs
What would you say if I told you that in the next
few minutes you could save between $500 and
on your car insurance?
Travel tips: 15 places to avoid
Travel should be about one-of-a-kind experiences, not chain stores or overpriced attractions. Here are our picks for tourist traps you're better off staying away from.
Every city seems to have a section where chain
burger joints and tacky T-shirt shops rule the
streets like neighborhood thugs loitering on the
corner. And every town has one or two attractions
that get all the hype but offer none of the payoff.
After months of watching your spending and saving
your vacation time, you deserve more. Take our
advice and be a better traveler: Stay away from
these tourist traps that aren't worth your money—or