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How to balance saving for retirement with saving for your kids’ college education

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first_imgParents often find themselves between a rock and a hard place when it comes to doing what’s best for themselves and their children. One financial adviser offers a formula to make it easier.by: Ruth Davis KonigsbergIt’s a uniquely Gen X personal finance dilemma: Should those of us with young children be socking away our savings in 401(k)s and IRAs to make up for Social Security’s predicted shortfall, or in 529s to meet our children’s inevitably gigantic college tuition bills? Ideally, of course, we’d contribute to both—but that would require considerable discretionary income. If you have to chose one over the other, which should you pick?There are two distinct schools of thought on the answer. The first advocates saving for retirement over college because it’s more important to ensure your own financial health. This is sort of an extension of the put-on-your-own-oxygen-mask-first maxim, and it certainly makes some sense: Your kids can always borrow for college, but you can’t really borrow for retirement, with the exception of a reverse home mortgage, which most advisers think is a terrible idea.The flip side of this, however, is that while you can choose when to retire and delay it if necessary, you can’t really delay when your kid goes to college. Moreover, the cost of tuition has been rising at a much faster rate than inflation, another argument for making college savings a priority. Finally, many parents don’t want to saddle their young with an enormous amount of debt when they graduate.According to a recent survey by Sallie Mae and Ipsos, out-of-pocket parental contributions for college, whether from current income or savings, increased in 2014, while borrowing by students and parents actually dropped to the lowest level in five years, perhaps the result of an improved economy and a bull market for stocks. But clearly, parents often find themselves between a rock and a hard place when it comes to doing what’s best for themselves and their children: While 21% of families did not rely on any financial aid or borrowing at all, 7% percent withdrew money from retirement accounts. continue reading » 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Genelle Henderson, 95, Elrod

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first_imgGenelle Ruth Henderson, 95, of Elrod passed away at 6:30pm, Tuesday, December 11, 2018 at Ripley Crossing in Milan. She was born near Elrod on June 29, 1923 the daughter of Morris and Elva Pearl Elliott Stevens. She was married to Chester Henderson on April 12, 1942 and he preceded her in death on November 8, 2007. Survivors include two daughters Rosalie Hooton, and Shirley (Tom) Pavey both of Elrod; 6 grandchildren, 15 great-grandchildren, and 5 great-great-grandchildren; one sister Virginia McDonald of Milan. She was also preceded in death by her parents, her granddaughter Nadine Wiley, her son-in-law Rev. Rand Hooton, her brother Donald Stevens, and her sisters Darlene Lambert and Doris Mounce. Mrs. Henderson was a 1940 graduate of Versailles High School. After high school Genelle worked as a nanny for an Orthodox Jewish family in Cincinnati, an experience that gave her a greater appreciation for faiths different than her own. After marriage she helped Chester on the farm with everything from field work to tending to the livestock. She and Chester also did a lot of hunting together and Genelle was a crack shot with a 22, often outdoing her husband in squirrels, rabbits, and crows. Genelle served as secretary for the Johnson Township as well as the Ripley County Farm Bureau and also for the Laughery Association American Baptist Women. She was a former trustee for the Southeastern Baptist Youth Camp at Westport and she and Chester were former youth leaders at the Washington Baptist Church at Elrod. Genelle was a member of the Versailles Baptist Church, the Ripley County Historical Society, and she and Chester were also former ambassadors for People to People which included farm tours to New Zealand, Australia, and England. Funeral services will be held on Monday, December 17th at 11am at the Versailles Baptist Church with Rev. Mike Cantrell and Rev. Harold Carter officiating. Burial will be in the Cliff Hill Cemetery. Visitation will be on Sunday from 4pm to 7pm at the Stratton-Karsteter Funeral Home and from 10am until time of services Monday at the church. Memorials may be given to the Versailles Baptist Church, the Southeastern Baptist Youth Camp, or the American Bible Society in care of the funeral home.last_img read more

Geyer climbs through Syracuse record book with big weekend

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first_img Published on October 7, 2013 at 9:49 pm Contact Tyler: [email protected] Senior forward Leonie Geyer entered Syracuse’s Saturday showdown with No. 4 Virginia tied in fourth place on the Syracuse all-time scoring list with Julie Williamson (1991-94) and Yvonne Milionis (1988-91) at 94 points.She had no idea.“Yeah, I didn’t know that. That’s really cool to hear,” she said. “It’s different for me because I’m usually not the one who scores. I love to pass and sometimes that’s annoying to coach (Ange Bradley) because she wants me to score more.”Much to Bradley’s delight, Geyer did plenty of both against the Cavaliers and Monmouth this weekend.After exploding with four goals and three assists in a span of 27 hours, including a hat trick against Virginia, the Germany native broke the fourth-place tie and continued her torrid rampage through the Syracuse (10-1, 1-1 Atlantic Coast) history books. Her 39 career helpers are good for third-most in team history, and she is also one goal away from cracking the top 10 in that category. Her 30 total points this season also tie her personal best as a sophomore in 2011.AdvertisementThis is placeholder textAccolades like those are reason to brag, but Geyer will do nothing of the sort.“She’s really quiet and doesn’t speak a lot, but I think her statistics tell you a lot about her,” Bradley said. “You don’t realize how much she does for a team until you look at the numbers.”One thing she has done this season is come through in the clutch. Her four game-winning goals led the team, and three of them came against Top 10 opponents.But the other thing that everyone seems to notice about Geyer is her innate unselfishness.“She doesn’t really like to be the center of attention. A lot of times she’d rather pass and get the assist than score a goal,” junior midfielder Jordan Page said. “She’s a phenomenal player. Very highly skilled and just really great to play with.”Bradley said that Geyer’s ability to set up teammates is among the best that she’s ever seen.“She just moves the ball so well,” Bradley said. “She reads a situation really well, and if she sees someone who has a better look than her, she will pass it.”Geyer said that her time on the German national team was crucial for her development as a player. She was a participant in the U-16, U-18 and U-21 divisions from 2005-10 before making the long journey halfway across the globe to Syracuse.She credited the style of play in her home country for her tendency to look for passing lanes and spread the field.“Here it’s way more athletic, whereas in Germany it’s more about tactics than individual skills,” Geyer said. “Here, timing and speed are important. If you’re a good athlete here, usually you’re good to go, but in Germany you need a bit more intelligence.”For a team mostly composed of freshmen and sophomores, that intelligence has provided crucial leadership during a strong 10-1 start.In addition, Bradley said that Geyer’s field vision sets her apart from some of the other great players that have donned an Orange uniform.Although past star Kelsey Millman (2009-12) was an offensive finisher and Martina Loncarica (2008-11) used her personal agility to beat defenders, Bradley said that Geyer is the type of player that searches for openings in passing lanes to create opportunities.Although Geyer is willing to pass up a scoring chance, she does not want to waste her final run at a national championship.Forget the records and the stats. They’re nice, but the senior said that they’re not the ultimate goal.They never were, and one of the most productive careers in school history hasn’t changed that fact.“Now the exciting part is coming up with the good opponents in the ACC,” Geyer said. “We’ll just keep working on coming together as a team and playing hard, and hopefully we’ll get the good final results.” Comments Facebook Twitter Google+last_img read more

Sharks commence 25 milliondollar construction of Mantra Hotel

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first_imgSource = Southport Sharks – Mantra Hotels Sharks commence $25 million-dollar construction of Mantra Hotel Southport Sharks CEO, Dean BowtellSharks commence $25 million-dollar construction of Mantra HotelOne of the largest clubs in Queensland, Southport Sharks, has joined forces with leading Australian hotel and resort operator, Mantra Group, to launch a new hotel on the Gold Coast.Featuring 120 rooms and 209 carparks, construction of the estimated $25-million Mantra at Sharks commenced this week, with an opening scheduled for early-2018.After an extensive due diligence period, Southport Sharks recently engaged leading South East Queensland companies, McNab and GroupGSA.“We are very excited to partner with Mantra, and engage market-leading construction and architectural firms in McNab and GroupGSA. The decision sends a strong message that we’re serious about partnering with local business and investing locally. This project will benefit the economy of the Gold Coast, not only through the construction phase, but for years to come,” said CEO of Southport Sharks, Mr Dean Bowtell.Mantra Group Chief Executive Officer, Bob East said the Group is thrilled to partner with Southport Sharks – one of the Gold Coast’s strongest and most recognisable businesses.“Mantra at Sharks will provide a market-leading hotel offering, well positioned to become a premier corporate, meetings and leisure hotel, and its opening is well timed to coincide with strong market conditions in the lead up to and during the Gold Coast 2018 Commonwealth Games,” Mr East said.“The new hotel will complement our existing portfolio of 127 properties across Australia, New Zealand, Indonesia and Hawaii.”Mathew Kemp, Gold Coast Construction Manager for McNab stated “one of the appealing aspects of working with the Southport Sharks is that they are very focussed on the local community. We take the same ethos when constructing buildings, with our Gold Coast office currently prioritising local subcontractors and suppliers for the build so that the local community benefits from the construction of this important project”.GroupGSA’s Queensland Design Leader, Mr Alex Hoffmann said they were delighted to be working together with Southport Sharks to design an authentic hotel experience where guests stay, are inspired and become an integral part of the club for the duration of their visit. “The design is inspired by the undulating site topography and the Southport Sharks identity, creating a striking entry statement for both club and hotel. The reception and foyer are conceived as a contemporary take on the Queensland verandah forming a shady cool connection between the new hotel and the existing club main entry” said Mr Hoffmann.Southport Sharks will utilise the services of Australia’s first, and oldest bank, Westpac, and have engaged one of Australia’s leading providers of project management services, RPS to project manage the development of the hotel.RPS Project Management General Manager, Ben Rayward said “RPS Project Management is privileged to be working with the Southport Sharks in the delivery of this landmark project. The high calibre project team includes leading firms Group GSA, Zone Planning Group, Napier & Blakeley, ADG, BRW Enterprises, Energy Air, McKenzie Group, Precise Power, and now with the recent engagement of McNab as the building contractor we are looking forward to moving into the construction phase of the project. Delivery of this project with the Sharks adds to our experience with other leading Gold Coast properties including Pacific Fair, Australia Fair, Jupiters Hotel and Casino, GOLDOC, John Flynn Hospital and the Gold Coast Airport.”The hotel provides a unique offering to the area, in addition to resolving the club’s accommodation demands from existing markets, including weddings, business events, and the growing North Gold Coast region.“We would like to thank our 50,000 members and 250 staff, who continue to contribute to our club and assist us in creating a diversified service offering. Upon completion of the hotel, Southport Sharks will become the complete entertainment and sporting destination,” said Mr Bowtell.The hotel forms a part of the Gold Coast Health and Knowledge Precinct which already boasts Gold Coast University Hospital, Griffith University, Gold Coast Private Hospital and of course the Commonwealth Games village.“As a stakeholder of the Gold Coast Health and Knowledge Precinct, we anticipate many medical professionals, interstate business executives, and families visiting will make use of the hotel and general club facilities,” said Mr Bowtell.“We are confident in our capability to also tap into sports tourism, combining the hotel with our modern fitness facilities and conference capabilities.” Mr Bowtell said.last_img read more