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

At the end of February and again yesterday, the stock market fell and continues to be volatile. This type of market volatility should not concern long-term investors. The February pull-back was about 3.5% and yesterday around 2%. These are painful single-day losses but are by no means catastrophic or even rare. In 2002 the S&P 500 lost 3% or more in 7% of the trading days. The money you have in the stock market should be for longer term goals. If it’s not, you may want to rethink your strategy.

Time to Share. Create a Buzz. The Plymouth Philharmonic Orchestra was established in 1913. In 1994, Steven Karidoyanes was appointed music director of this professional regional orchestra. You will want to check out the remainder of their schedule for this season. On April 28 the Phil will present a Beethoven – Mahler evening. Anchoring the program is Mahler's life-affirming Titan Symphony, Symphony No.1. The season concludes with a salute to Ole Blue Eyes on May 19th. The Phil, converts into a super-sized Big Band, backing up Steve Marvin in a swingin’ tribute to Frank Sinatra. You won’t want to miss both these concerts. For more information call 508.746.8008 or visit the Phil’s website.

Cheers — Paula and Bill Harris

9 money rules to live by
Americans young and old are flunking their finances, but money mastery isn't really that hard. Here are 9 simple keys you really need to know.
Most surveys that measure financial literacy focus on teenagers, and the results are always grim.

Now a poll by Harris Interactive for the National Council on Economic Education shows that adults aren't that much savvier.

The best time to buy -- anything
Did you know that airlines change their fare schedule three times a day? Or that cars are more likely to be a bargain at the end of the month?
If you're waiting until your refrigerator gasps out its last breath of cold air to shop for a new one, you could be missing out on a chance for big savings. Timing your purchases to coincide with manufacturer discounts, clearance sales and off-season discounts will take out the stress of finding a good price on almost anything.

We spoke with a few experts to get the inside scoop on the best times of the year to shop.

Could you stop spending for a month?
Some readers took up this extreme-budgeting challenge: no lattes, no meals out, no books, no new bluejeans. There were lapses, but the experiment helped draw lines between 'needs' and 'wants.'
A few weeks ago, I invited people on the Your Money message board to try a little experiment: a "buy nothing" month.

For the 28 days of February -- I picked the shortest month to make it easier on volunteers -- those who wanted to participate would buy only necessities. Each person would get to define what was a necessity for himself or herself. At the end of the month, everybody would report back on how their shopping fast went.

Why it might be time to consider an independent financial advisors
An independent financial advisors has one priority. You.
There are any number of professionals who can provide you with financial advice. So when you’re looking for a personal financial advisor, it’s essential to know that there are different types of financial professionals who vary not only in their level of independence but in the type of advice they offer, as well. Knowing the differences among them—and the areas in which each of them specializes—is the first step in choosing an advisor who’s right for you.

An Independent Financial Advisor won’t just work with you, but for you as well. Because these advisors are independent, you can be more confident that your advisor will put your needs first. Independence means they’re free to make recommendations from a much broader range of potential investments—whatever best suits your financial objectives—now and in the future.

Kick your e-mail addiction
A 5 step plan for taking back your time
When, or precisely how, my sleek, silver Palm Treo 650 phone/ PDA took over my life I'm not sure, but the warning signs were clear: It replaced the book on my nightstand so I could check e-mail after David Letterman and before Matt Lauer and often in between.

It got to the point where I couldn't wait more than a second or two after the thing buzzed to see who was writing. I was an e-mail addict. I wasn't alone.

Happy St. Patrick's Day
Always remember to forget the things that made you sad. But never forget to remember the things that made you glad.

Always remember to forget the friends that proved untrue. But never forget to remember those that have stuck by you.

Always remember to forget the troubles that passed away. But never forget to remember the blessings that come each day.

phone: 888.797.9009

"Sometimes the questions are complicated and the answers are simple." — Theodor "Dr. Seuss" Geisel, author and illustrator

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