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
year yet! As we here at WH Cornerstone reflected on
2006 we realized it was a great year for us! We
featured in or wrote articles for the
Wall Street Journal, Reuters,
Advisor, Boston Business Journal and
Business. Also, Paula was named a Top
10 in Financial Services by Women's
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
- Sales receipts for minor purchases, after you've
satisfactorily used the item and if it has no
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