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January 2007
WH Cornerstone Investments Newsletter
Working with you to achieve a future that is greater than your past

Happy New Year! May this year be your best year yet! As we here at WH Cornerstone reflected on 2006 we realized it was a great year for us! We were featured in or wrote articles for the The Wall Street Journal, Reuters, National Post, Investment Advisor, Boston Business Journal and Women's Business. Also, Paula was named a Top 10 in Financial Services by Women's Business. In 2007, we look forward to working with our existing clients and our new clients to help them achieve futures that are greater than their pasts.

Time to Share. Create a Buzz. One person's trash can truly be another's treasure! The Freecycle Network is made up of many individual groups across the globe. The Network provides individuals and non-profits an electronic forum to "recycle" unwanted items. It's a grassroots movement of people who are giving (& getting) stuff for free in their own towns. Each local group is moderated by a local volunteer. Membership is free. This is a great way to part with those excess items that are still useful. Try it today.

Happy Holidays — Paula and Bill Harris

11 ways to jump-start your savings
It's not always easy to begin putting away money, but small steps, such as buying generic products and saving your spare change, can help you get started.
The secret of successful savings borrows from the tale of the tortoise and the hare: Slow and steady wins the race.

Your one-day financial makeover
You just may save up to $5,000
Movie with the girls. Ka-ching! An $8 focaccia sandwich for lunch. Ka-ching. The cat's blood-pressure medicine. Ka-ching! Late fees, insurance, utility bills. Ka-ching, ka-ching, ka-ching. Sure, you could save money — if only you could stop spending it. You can't, of course, but you can spend it more slowly, wisely, and purposefully. How? Set aside one day (or a few evenings) and devote the time to cutting costs, following the daylong schedule on these pages. Along the way, take a look at Real Simple's solutions to readers' top four money problems. Then observe as you reap the benefits — and save up to $5,000 this year.

Five steps to simpler record-keeping
Bills, credit-card receipts, ATM slips, investment records, bank statements— they pile up and multiply faster than dirty dishes after a holiday meal. It's easy to feel buried under an avalanche of paper and too stressed and guilty to deal with it.

Deciding which financial records to keep
This list will tell you at a glance which financial records you should retain and which ones you can dump.
Toss Every Month

  • ATM And bank-deposit slips, after you've recorded the amounts in your check register and checked them against your monthly bank statement.
  • Credit-card receipts, after you've checked to make sure the item appears correctly on your monthly statement.
  • Sales receipts for minor purchases, after you've satisfactorily used the item and if it has no warranty.

35 most outrageous fees (and how to avoid them)
From the merely annoying to the budget-busters, here's what to watch out for in travel, banking, credit cards, real estate, investments and more.
1. Airlines: Paper tickets What it is? You remember actual airline tickets, don't you? If you aren't comfortable with an electronic flight record, you'll pay a steep price for an old-fashioned paper version.

Always be networking
For most people, networking simply means stepping up the schmoozing when it's time to find a job.
Small-business owners, however, must network constantly. Setting up and running a successful business requires a whole slew of advisers, service providers, sympathetic family members and other secondary characters. And then there's the little matter of finding the actual customers for your wares. Getting the word out about your company is critical.
phone: 888.797.9009

"Good resolutions are simply checks that men draw on a bank where they have no account." — Oscar Wilde, Irish author, poet and playwright

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