LIFE
B4 • DELHI-PRICE HILL PRESS • JUNE 11, 2014
Literacy Network receives donation Don’t fall for help and expertise. His dedication to improving literacy and raising awareness has made a lasting impact for our city,” said Kathy Ciarla, president of the Literacy Network. Over the years, Feldmann served as the chairman of the Board, and is a member of the executive committee and the finance committee. In addition, Feldmann and his wife, Cathy, served as the Honorary Chair Couple for Handbags for Hope in January. “This donation will stabilize our financing and allow us to continue to grow our services to reach more children and adults who struggle with basic literacy,” Feldmann said. After hearing word of the White’s contribution an additional donation of $5,000 was made by an anonymous member of the Literacy Network
The Literacy Network received a $25,000 gift from Lance and Diane White in honor of board member Ken Feldmann. This gift will be used to expand the adult and children’s literacy programs. The donation was made in celebration of Feldmann’s 20th anniversary with the Literacy Network. “Diane and I were looking for a meaningful way to honor Ken for all the work he did in the sale of our company,” Lance White said. “Ken introduced us to the Literacy Network and spoke very highly of the organization and the mission. We met the staff and were so impressed with the programs we were happy to make this donation.” “Ken is an amazing board member and we are so fortunate to have his
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Board. For more information about Literacy Network programs, volunteer opportunities, or how you can help support literacy, please call 513-621-READ (7323) or visit www.LNGC.org. E NC 4 SI 97 1
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The Literacy Network was honored to have Lance and Diane White and his business partner Jim and Lisa Gillespie at Handbags for Hope. The Whites made a generous donation in honor of their friend and Literacy Network Board Member Ken Feldmann. From left: Sarah Lykins, Ken Feldmann, Lisa Gillespie, Jim Gillespie, Lance White, Diane White and Kathy Ciarla. PROVIDED
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Cless and Claudette Smith of Delhi are pleased to announce the engagement of their daughter, Misty Jo Smith to David Michael Ginandt, son of John and Debbie Ginandt, of Harrison. The wedding will take place Saturday, November 1, 2014 at Pattison Park in Batavia, Ohio, reception to follow at same location. The couple plans to live in Cincinnati or Northern Kentucky after a honeymoon in Gatlinburg, Tennessee.
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Ever come across a sure-fire investment that guarantees great returns on your money? It’s a sales pitch that’s been used many times and, unfortunately, many people have fallen for it. Many of these get-rich-quick investments turn out to be nothing more than Ponzi schemes in which old investors are paid with money from new investors. In the Cincinnati area we’ve seen such schemes over the years from a so-called ticket broker to a man who guaranteed a 10 percent return on people’s money. Both men eventually ended up in prison, just like Bernie Madoff, but not before a lot of people ended up losing tens of thousands of dollars. There are ways to spot such Ponzi schemes and Rob Siegmann, of the Financial Management Group in Blue Ash, offers seven tips. First, he says, “Make sure you understand the investment strategy and how it works…If you don’t understand the investment, look for a different financial strategy.” Second, check your advisor’s credentials to see if they’re registered with state or federal regulators. Most financial advisors have earned the CFP, CFA, or CPA designations. Siegmann says, “I would call into question the knowledge of salespeople without those respected credentials.” Check with the U.S. Securities and Exchange Commission to see if any complaints have been filed against an advisor, rather than just checking with an advisor’s happiest clients. Beware of a hard sell because, Siegmann says, “A good value proposition should sell itself. High pressure
Howard Ain’s column appears bi-weekly in the Community Press newspapers. He appears regularly as the Troubleshooter on WKRC-TV Local 12 News. Email him at heyhoward@ local12.com.
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tactics mean your advisor is eager to make a commission Howard check. Ain Ultimately, a long HEY HOWARD! term relationship with your advisor is best. If you experience a hard sell, your advisor may not stay with you for a long time.” Never write checks to an individual or their firm unless it is a large and trusted custodian like Charles Schwab, Vanguard or Fidelity. Siegmann says, “Your money should be held in your name. “Also, there are no benefits worth the risk of co-mingling your money with others in an ‘omnibus account.’ ” Next, Siegmann says, “You want your money in an independent account, not in your advisor’s account or with his or her firm.” You should receive regular statements from a qualified, trusted, independent custodian. Ask how the advisor is getting paid. Some work for a set fee or percentage while others get commissions based on the investment products they sell such as life insurance or annuities. Commissionbased advisors can have a place but you have to be careful clients don’t get loaded up with expensive products. So now, as many begin to invest again, you need to carefully pick a financial advisor.
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