Waynedale Business

If you're an investor, you've probably heard about the benefits of diversification. But how do you go about diversifying?

Many people think diversification is just a "numbers game.'' They think that the more stocks they own, the better diversified they will be. However, that's not always the case.

· Asset class - As we've seen, you can diversify your stocks in several different ways. But you may also want to diversify your portfolio beyond stocks by investing in a variety of financial assets...

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It's almost Mother's Day. This year, instead of giving Mom flowers or candy - or at least in addition to the flowers or candy - why not give a gift that can last? Specifically, why not help your mother - or your grandmother - improve her financial picture?

Of course, you could always just give a gift of cash, but there are many other ways to help out. You could, for example, give stocks. It isn't much more difficult than giving cash, but you do have to keep a few things in mind. Make sure you...

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The stock market dropped every year from 2000 through 2002. And today, with increased global tensions, a struggling economy and mixed reports on corporate earnings, the market outlook remains uncertain. Consequently, you may have taken a time out from investing and "parked'' substantial amounts of your assets in certificates of deposit, money market accounts or other investments in which your principal is generally protected. But how long should you keep this "parking spot''?

You may feel that...

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You work hard to provide a comfortable retirement lifestyle for yourself. But, if you're like most people, you want to do still more - you want to be able to leave a legacy to your children, your grandchildren and those charitable organizations you support. These are all ambitious goals but fortunately, you've got some good tools available to help you achieve them.

To begin with, consider your current assets and how you can most efficiently pass them on to your heirs. For example, suppose...

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Digital photo taken Wednesday morning, April 9, 2003 looking northeast towards new Tower Bank location.  “This area will provide a solid marketing area for future growth.  We’re banking on it,” said Tower spokeswoman Trois Hart.

A new Tower Bank branch will be opening at the corner of Lower Huntington and Old Trail Roads. Construction on the 3,000-square-foot bank is expected to begin in May with an anticipated opening in the fourth quarter of 2003.

Michael Romary, President with M.E.R. Group is the project developer, with a cost expected to exceed $2 million. Tower's President Curt Brown commented, "Tower Bank already serves many businesses in Waynedale."

In addition to the bank, the more than 13,000-square-foot...

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Umber's Ace Hardware has added a Commercial/Industrial Services Division. This will give area businesses local access to over 100,000 commercial products. Umber's President, Dave Umber has named James Roth, Manager of the Commercial/Industrial Division.

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