Make 2019 Your Stretch Year

Make 2019 Your Stretch Year

Make 2019 Your Stretch Year

Stretch your goals, skills, ambition... your life.

Close your eyes and follow along here for a minute.  It’s a new year. Where does your mind go when you think about that? 

Perhaps you’ve made a resolution or two.  You might be considering a new hobby, making a few changes around the house, taking a trip here or there. Or, maybe you’re settling in with “same old” syndrome, constrained by your own thinking that for whatever reasons your new year will look much like past years.

What if, instead, you were to start out with a blank canvas?  No excuses.  No self-imposed limitations.  Nothing holding you back but yourself.

 

What if you were to make this your stretch year? 

Here’s how it works.  In every aspect of life, stretch yourself a little further each day.  Your career.  Family time.  Personal health.  Home projects you want to tackle and complete.  Hobbies.  Friendships.  Diet.  Exercise.  Do something –- a bit more every day, no matter how small –– and see how differently the new year might unfold.

The expectation is not overnight miracles.  It’s that you gradually change your mindset from “I can’t” and “It’s not worth the time or energy” to “I can be better or do better than this”.

In his book, Can’t Hurt Me, David Goggins, the only man in history to complete elite training as a Navy SEAL, Army Ranger, and Air Force Tactical Air Controller (and whose early years were ruled by poverty, prejudice and physical abuse) writes about looking into what he calls his Accountability Mirror.  “Tell yourself the truth!  That you’ve wasted enough time, and that you have other dreams that will take courage to realize...” “Tell the truth about the real reasons for your limitations and you will turn that negativity, which is real, into jet fuel.... There is no more time to waste.  Hours and days evaporate like creeks in the desert.”

That means starting now... today... to stretch yourself to see where it can take you.  The sheer fact that you’re trying puts you ahead of the crowd. 

At Lenox, we’re here to help you get beyond feeling stuck in your career, personal skills development and in achieving your financial aspirations.  Our individual and family coaching services are one more way we help you FUND A LIFE YOU LOVE™.

If you’re ready to discuss financial, business, career and life planning that will allow you to Fund a Life You Love®, we’d love to tell you more.  Let’s talk.  It’s your tomorrow. Call us for a complimentary 1-hour review.  Call 513.618.7080 or visit www.lenoxwealth.com to Fund a Life You Love.

 Past Performance is not indicative of future results.

This blog is limited to the dissemination of general information pertaining to its investment advisory/management services. This is not intended to be personalized investment advice. Please contact a Lenox adviser if you would like additional information.

What’s Impacting Your Retirement Plans in 2019?

What’s Impacting Your Retirement Plans in 2019?

What’s Impacting Your Retirement Plans in 2019?

Uncertain times are the right time to revisit your plan.

Thinking about retiring soon?  Good for you.  However, before you decide to finally cut the cord from your career, take inventory that all factors you need for a comfortable retirement are still lining up as planned. Recent market volatility, fluctuating interest rates, changes in social security and to 401k contributions can impact your retirement picture.  If you haven’t looked closely at your retirement plan in light of these ramifications, now’s the time to do so.

 

7 questions to ask yourself as you revisit your retirement plan.

 

1. Do you know your current net worth?

It may have changed significantly since you last checked. What do you own?  What do you owe? When was the last time you made a full listing of your liquid and non-liquid assets?  Same for your liabilities.  Calculating your net worth is critical not only for knowing what you have currently, but also to plan for future living expenses, tax payments on retirement account withdrawals, investment allocations, etc. –– all part of retirement planning.

 

2. Do you know how much money you will need monthly to live the retirement lifestyle you desire?

This too may have changed from what you once envisioned. Traditional formulas based   on a percentage of your highest year’s income may not work anymore.  For one thing, people are living a longer, so your income stream may need to last over a longer period of time.  Also, today’s retirees are more active than past generations. Many retirees have very busy lives –- traveling, taking up hobbies, going to classes, eating out frequently, renovating or redecorating their home –– all of which cost money.  Make a list of all the things you see yourself doing in retirement and assign real numbers to each.  Even if you never get around to doing all of them, you’ll have peace of mind in knowing that you’ve budgeted for them.

 

3. Do you have an emergency fund?

The unexpected can occur.  Be prepared by having a separate savings for emergencies only.  The amount to have in your fund will vary by your lifestyle, family and other responsibilities, insurance coverage, etc.  Whatever your case might be, set up an emergency fund and set it aside.

 

4. Have you minimized your debt?

Try not to enter retirement while still carrying any significant debt.  Talk to your financial advisor about what amount of debt, if any, is suitable for your situation and what could be a worrisome burden, especially during market downturns or when confronted with other unforeseen circumstances.  It’s easy to get lulled into thinking that you can always go back to work if you need some extra money.  While that may be true for some people, health issues and other situations can alter such plans for others.

 

5. What are your plans for long-term care?

One of the least fun things to think about, this is also one of the most important.  Who will take care of you when you no longer can care for yourself?  Do you want to stay in your home or move to a care facility?  Is your family aware of your desires? Do you have family nearby, or will you need to rely entirely on non-family caregivers? Above all else, do you know the cost of long-term care and your options for long-term-care insurance coverage?  Talk to experts sooner rather than later, and make decisions while you have control over them and, if possible, before you retire.

 

6. Are you aware of changes coming to Social Security in 2019, increases in contribution limits to 401(k), etc.?

The government is rolling out some important changes in 2019.  Ask your financial advisor how they will impact your personal retirement strategy and timing. 

 

7. What changes have occurred in your personal life that might impact your retirement plans?

Divorce, remarriage, loss of a spouse, the addition of grandchildren and your help in funding their education through 529 Plans or other investment vehicles, the sale or purchase of a home, assisting family members in need of financial help, etc.–– all of these can have ramifications on your retirement nest egg.  It is important to share such issues with your financial advisor.

 

Bottom line, whether you’re hoping to retire this year or in the next few years, take the time to closely revisit your retirement plan to make sure it still works for you, your family, your dreams, and your peace of mind. 

 

At Lenox, we work with families to help guide them in every aspect of their financial life –– from education funding, to generational planning and finances, to setting financial priorities, to eliminating debt, establishing budgets, career planning and coaching, retirement planning, and working through financial hurdles –– the entire realm of wealth creation, wealth building, and wealth management.  In every instance, we start with you, not your portfolio to help you FUND A LIFE YOU LOVE™.

 

If you’re ready to discuss financial, business, career and life planning that will allow you to Fund a Life You Love®, we’d love to tell you more.  Let’s talk.  It’s your tomorrow. Call us for a complimentary 1-hour review.  Call 513.618.7080 or visit www.lenoxwealth.com to Fund a Life You Love.

Past Performance is not indicative of future results.

This blog is limited to the dissemination of general information pertaining to its investment advisory/management services. This is not intended to be personalized investment advice. Please contact a Lenox adviser if you would like additional information.

LENOX Book of the Month: Walt Disney: An American Original by Bob Thomas

LENOX Book of the Month

Walt Disney: An American Original by Bob Thomas

As we look at some of the iconic companies in the U.S. or around the globe, we assume that the companies or the founders of the companies have always been successful. But, as you will see as in the case of Walt Disney, that is not true. Everyone has to start somewhere and to experience the school of hard knocks. For Walt, this was a whole new industry and he was a pioneer.

Walt’s lesson?

When you wish upon a star
Makes no difference who you are
Anything your heart desires will come to you

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YOUR HABITS IN THE NEW YEAR

YOUR HABITS IN THE NEW YEAR

YOUR HABITS IN THE NEW YEAR

Show them who’s in charge.


Each of us has our habits.  We talk about them, good or bad, and how they influence us.  How will yours affect you in the new year?  The following excerpt from Habits Die Hard by Mac Anderson and John J. Murphy reminds us that it is up to us to take charge.


An excerpt from Habits Die Hard by Mac Anderson & John J. Murphy

I am your constant companion.
I am your greatest asset or heaviest burden.
I will push you up to success or down to disappointment.
I am at your command.
Half the things you do might just as well be turned over to me.
For I can do them quickly, correctly, and profitably.
I am easily managed; just be firm with me.
Those who are great, I have made great.
Those who are failures, I have made failures.
I am not a machine, though I work with the precision of a
machine and the intelligence of a person.
You can run me for profit, or you can run me for ruin.
Show me how you want it done. Educate me. Train me.
Lead me. Reward me.
And I will then…do it automatically.
I am your servant.
Who am I?
I am a habit.

LENOX GIVES BACK! Corpus Christi Food Pantry

Lenox Gives Back! Corpus Christi Food Pantry

At this time of the year, Lenox gets together to adopt 2 families from Corpus Christi Food Pantry. Lenox provided Christmas gifts and a Christmas dinner for a family of 5 and a family of 6. Shopping and wrapping of the gifts was a great experience for us all!

Mission Statement of the Corpus Christi Pastoral Area Food Pantry

The mission of the Corpus Christi Food Pantry is to serve those who come to our pantry, with compassion and respect and with a Christ-like servant attitude.  We remain open to listening and working diligently to meet the needs of the individuals and families in our community.

About us

The Corpus Christi Food Pantry is a collaboration between the Cincinnati Freestore/Foodbank and our three parishes (St. John Neumann, St. John the Baptist, and Corpus Christi).  The Pantry doors are open to those who live in the boundaries of all three parishes, and the boundaries established by the Freestore/Foodbank.  Many volunteers are available to help the guests select food and non-food essentials (including toiletries, cleaning and paper products, as well as school supplies).  In addition to regular monthly visits, guests are eligible to participate in annual projects that provide food to be prepared for Thanksgiving and Christmas Dinners, along with children's Christmas gifts.  The Food Pantry volunteers also provide contact information (such as area St. Vincent de Paul resources), to those that have additional needs.

The Food Pantry receives many generous donations to help those in need.  Donations often come from Parishioners from all three Parishes, previous pantry recipients, and local merchants.  (Among the many merchants are Meijer, Target, Kroger, Bob Evans, and Panera Bread.)  The Corpus Christi Food Pantry is very grateful for all the wonderful volunteers and donors.



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Personal Financial Goal Setting

Personal Financial Goal Setting

Personal Financial Goal Setting

6 tips to start the new year with a financial plan you’ll follow.


With another year about to roll around, now is the perfect time to think about where you are financially and to start the new year with a clear plan as to what you want to achieve over the next 12 months.  That means setting and keeping financial goals.

 

Perhaps you’ve tried this in past years but fallen off the wagon.  Why? Were there roadblocks and, if so, were they out of your control or within your control?  Whatever the case, wipe the slate clean and start anew by setting goals and creating a financial plan that (barring any major unforeseen circumstances) you will be able to follow.

 

Remember, your financial future is in your hands to envision, mold and nurture, beginning today and every day thereafter.  It begins with personal financial goal setting, and the earlier in your life you begin, the greater the impact on your future. 

 

 

Tip #1 Determine what matters to you long term.


As with any goal, you need to know where you’re going to get there.  That means you must decide what matters most to you in life –– family, education, travel, new home, retirement savings, giving back, etc. –– and then determine what you’ll need from a financial perspective to attain your priorities long term.

 

Tip #2 Put your financial goals in writing.


Think about your financial goals long and hard enough to actually put them in writing.  Whether you have two, three or more, make a list of the goals you want to achieve over your lifetime.  Next, write down what you specifically want to accomplish in the coming year.  For instance, let’s say you want to move into a bigger home in about five years.  What will you need to accomplish financially over the next year to help attain your goal?  Same for year two, three and four.  Some people will further divide their goals by month or by quarter, making them feel more doable.  Again, it helps to be as specific as possible.  Clarity is critical. 

 

Tip #3 List detailed steps needed to reach your goals.


Itemize the actual steps that you’ll need to take day by day and month by month to reach your goals. These might include making changes in your lifestyle or spending habits, exploring new opportunities in terms of careers or education, and building relationships that can open new doors for you down the road.  Thinking things through to this level of detail can provide powerful motivation to help you stay true to your plan.  

  

Tip #4 No more “someday”.  Start now!


Saying you’ll start someday to make and follow a financial plan, such as when you make more money or “get on your feet”, is a self-defeating prophecy.  No matter what your current income, you must discipline yourself to get started now –– today –– to map out your own financial future.  And if you already have a financial plan, there’s no better time than the start of a new year to reassess your plan to ensure it’s in line with your personal financial goals.  Remember, too, a good financial plan is always changing to some degree in response to changes in the economy, shifts in your family size and makeup, different career, etc. 

 

Tip #5 Monitor your own performance in a timely manner.


Create a calendar with your financial goals marked by week, month or quarter for the next year.  Refer to it often for motivation and, of course, match your performance to your goals on a regular basis. Put the calendar where you can easily see it as a constant reminder of how smart you are to be preparing for tomorrow.

 

Tip #6 Be realistic and stay flexible.


This is not a ticket to get sloppy with your financial plan, BUT let’s be honest, when the unimaginable occurs, you have to be flexible to go with the flow. What’s essential is that when life throws your financial plan a curveball or two, get back on track as quickly as possible.

 

 

Bottom line, wherever you are in life –– whatever your age, income, single, married, kids or no kids, nearing retirement or already retired –– you need a financial plan.  Not only for your financial success but also for your peace of mind.  At Lenox, we are here to help.  We help you create a personal financial plan that works for you and then help you navigate your way through a lifetime of decisions that can affect it.  It’s one more way we help you FUND A LIFE YOU LOVE™.


At Lenox, we work with families to help guide them in every aspect of their financial life –– from education funding, to generational planning and finances, to setting financial priorities, to eliminating debt, establishing budgets, career planning and coaching, retirement planning, and working through financial hurdles –– the entire realm of wealth creation, wealth building, and wealth management.  In every instance, we start with you, not your portfolio to help you FUND A LIFE YOU LOVE™.

 

If you’re ready to discuss financial, business, career and life planning that will allow you to Fund a Life You Love®, we’d love to tell you more.  Let’s talk.  It’s your tomorrow. Call us for a complimentary 1-hour review.  Call 513.618.7080 or visit www.lenoxwealth.com to Fund a Life You Love.

 

Past Performance is not indicative of future results.

 

This blog is limited to the dissemination of general information pertaining to its investment advisory/management services. This is not intended to be personalized investment advice. Please contact a Lenox adviser if you would like additional information.

LENOX Non-Profit of the Month: Melanoma Know More

LENOX Non-Profit of the Month: Melanoma Know More

Melanoma Know More is a 501(c)3 non-profit servicing the Greater Cincinnati Area with a mission to reduce the impact of melanoma through awareness, education, support of medical research, and assistance to persons affected by melanoma. Melanoma Know More was founded by renowned melanoma oncology specialist, Dr. Philip Leming of The Christ Hospital, and a network of some of his patients and their families. They were determined to generate awareness about melanoma and educate the community on the importance of early detection and prevention practices. Since the organization’s inception in 2007, Melanoma Know More has grown from a volunteer run organization to a fully functioning non-profit organization with a small staff, an active board of directors and hundreds of volunteers in the community. They have developed successful program initiatives, brought awareness to the deadliest form of skin cancer, and continues to raise thousands of dollars every year to continue the fight against melanoma. Their portfolio of programs/events consists of the following:

 

  • Free monthly skin cancer screening clinics in partnership with The Christ Hospital, MercyHealth, St. Elizabeth Healthcare, TriHealth, and UCHealth. They will have screened over 6,800 patients since the program started in 2010. www.melanomaknowmore.com/screening

  • School and youth education outreach in partnership with local area schools to raise awareness about melanoma and provide critical information regarding prevention and skin protection. They have provided outreach to over 5,000 students in 3 years. www.melanomaknowmore.com/education

  • Community education in partnership with area organizations and businesses. They distribute awareness materials, host educational lunch and learns at local companies and more. melanomaknowmore.com/community-requests

  • Funding of research projects at the University of Cincinnati that focus on melanoma prevention. www.melanomaknowmore.com/research

  • Distribution of sunscreen to area organizations, events, businesses, etc. They also have recently started to provide sunscreen via dispensers at various events throughout Greater Cincinnati, including the Flying Pig Marathon.

  • Over 100 individuals run or walk in a Flying Pig Marathon event each year and raise funds to support the mission of Melanoma Know More as members of Team Melanoma Know More. www.melanomaknowmore.com/teamelanomaknowmore

  • Melanoma Know More hosts their signature fundraising event, Music for Melanoma, each year at Kenwood Country Club. The event features 10+ incredibly talented musicians from across the country, a silent auction, raffle, great food, drinks, fun and more. www.melanomaknowmore.com/musicformelanoma


For more information about Melanoma Know More, visit www.melanomaknowmore.com or contact Leanne Blair, Executive Director, at 513.364.6653 or leanne@melanomaknowmore.com.

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Meet Michelle McCarthy

Meet Our Relationship Managers

Michelle McCarthy

Lenox clients represent a broad brushstroke of society –– second and third generation families to young couples just starting out, couples with growing families to those nearing or in retirement, young entrepreneurs to established business professionals, leaders of start-ups to longstanding founders exploring succession planning, as well as divorcees, family legacies, and others. 

 

Clients this diverse have financial services needs that are far ranging.  Lenox responds via a team of multi-disciplined professionals who view each client as important and valued, whatever their stage in life.  When we say that “we start with you, not your portfolio” to FUND A LIFE YOU LOVE®, we mean it. 

 

The close-knit attention Lenox delivers comes quite naturally from not only our wealth advisors but also our Lenox relationship managers who are the 24/7 liaison clients can trust to understand and address their specific needs on a day-to-day basis.  Knowledgeable about each client’s financial situation, concerns, family and business matters, our relationship managers proactively provide clients the comfort of knowing they are in professional hands at all times.

 

Meet Michelle McCarthy

Let us introduce you to Michelle McCarthy, Lenox Relationship Manager who engages with dozens of Lenox clients on a regular basis.  Her work runs the gamut of reviewing Trust Documents, to Schwab Forms, to updating operational procedures to helping clients with their personal and charitable gifting. Michelle received her Certified Senior Advisor® designation in May. The CSA requires individuals to pass a rigorous exam and to uphold the highest ethical standards for the benefit and protection of the health and welfare of seniors. Her familiarity with what matters most to each and every client makes her a trusted and valued member of our Lenox team.  

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In her own words...

What three words best describe you?

Loyal

Efficient

Organized


What I like best about my role at Lenox

Being able to work and meet directly with the clients.


Special Area of Interest

  • Trusts


Special Certifications 

  • Certified Senior Advisor®


Best advice I ever was given

Don’t stress over the things you can’t control.


What does “Fund a Life You Love” mean to you?

Helping our clients achieve their financial goals to not only fund the life they love but to have the freedom to enjoy it.

Clients often tell us that we show them how to think about issues more thoroughly and help them ask the right questions. It’s a joy to see the peace of mind they experience when they have a plan in place that matches their financial goals and life dreams.

Top 5 StrengthsFinders

·       Responsibility

·       Discipline

·       Analytical

·       Maximizer

·       Empathy

 

To speak directly with Michelle, phone her at 513.618-7107, or email michelle.mccarthy@lenoxwealth.com 

  

At Lenox, we work with families to help guide them in every aspect of their financial life –– from generational planning and finances, to setting financial priorities, to eliminating debt, establishing budgets, career planning and coaching, funding education, retirement planning, and working through financial hurdles –– the entire realm of wealth creation, wealth building, and wealth management.  In every instance, we start with you, not your portfolio to help you FUND A LIFE YOU LOVE™.

 

If you’re ready to discuss financial, business, career and life planning that will allow you to Fund a Life You Love®, we’d love to tell you more.  Let’s talk.  It’s your tomorrow. Call us for a complimentary 1-hour review.  Call 513.618.7080 or visit www.lenoxwealth.com to Fund a Life You Love.




Past Performance is not indicative of future results.

This blog is limited to the dissemination of general information pertaining to its investment advisory/management services. This is not intended to be personalized investment advice. Please contact a Lenox adviser if you would like additional information.

More Imagination Than Money

More Imagination Than Money

More Imagination Than Money

Great Holiday Gifts That Won’t Set You Back

It’s holiday time again.  And, as the famous holiday song goes, “It’s the Most Wonderful Time of the Year” –– that is, unless you’re stressed out by wondering what to give all of the people on your list and how to do so without breaking your budget.  Too many of us splurge in December only to have buyer’s remorse in January and February as the bills come rolling in.

 

Here’s the deal.  You don’t have to spend a lot of money to be a great gift giver.  There are a sleigh-full of gift ideas that require more imagination than money.  Here are some of our favorites –- creative gift giving that will please friends, family, business associates and your bottom line. 

 

 

For little ones.

  • Snowman of Gifts.  What kid would not love this!  Think three boxes stacked to form the look of a snowman –– small box at the top filled with candy, medium box in the middle has a clothing item, larger box at the bottom contains a toy.  Tie a ribbon around all to make both smiles and memories.  Check out Pinterest

  •  Experiences! The things you do together will be remembered long after toys are played with and clothes are outgrown. 

    • Download a map of your surrounding area along with upcoming events and together with your kids plan a day trip or long weekend getaway. 

    • Sign up for a class or camp that will be of interest to both you and your kids –– pottery, painting or scrapbooking for crafty kids... woodworking for little builders... karate, swimming, basketball or skiing for athletic types... tap, swing, or hip hop for dancers... baking, cooking for chefs in the making, sewing for budding fashionistas, etc. 

    • Plan a project for around the house.  Work together to redo a child’s room, build an outside storage shed, design a garden for next spring/summer, clean out and upgrade your play area.  Let the kids weigh in on the design and planning and participate in the doing.

    • Grab a 2019 calendar and schedule a once-a-month movie night or special dinner with your kids for the coming year.  Let them choose the movie and the menu (with parental approval, of course.) 

    • Select one or more favorite charities and decide how you and your kids can do something each quarter of the New Year to help improve the lives of others.

  •  Books. The gift of reading lasts a lifetime. If you haven’t already done so, take your kids to your local library to get a library card.  Set aside a certain time each day or evening for your kids to take a break from TV and their technological gadgets to hold a book in their hands and read.  Give kids a gift card to their local bookstore or to amazon.com to choose a new book each quarter for the next year. Do a book swap with friends –– pass back and forth favorite books from one another’s houses at no cost at all.

 

For adults.

  • Recipes Plus! Share not only a favorite recipe with family and friends but also give them the specific pot, pan, utensil, or serving dish they will need to make it.  Wrap it all together in a holiday-themed dishtowel and top it with a bow.  You will make them a star in their kitchen.

  • Gift Baskets for DIY’ers. Whether you want to please a gardener, cook, woodworker, seamstress, dessert lover, woodworker –– you name it –– you’ll wow them with a gift basket holding items you select just for them. All it takes is a little creativity.  To get inspired, check out “19 DIY Gifts That Show How Much You Really Care” www.diybunker.com on Pinterest.

  • Date Night for parents. A few hours of babysitting or a sleepover with their kids will make for some very grateful parents. 

  • Photo memories. You can make some great gifts out of photos.  Here’s a Pinterest site that’s full of crafty, affordable gift ideas.  “28 Creative Handmade Photo Crafts with Tutorials” www.forcreativejuice.com

  • Something Sentimental for grandparents. Pick up an inexpensive glass hurricane (check out your local dollar store).  Then, take your little ones on a healthy hike to gather pinecones, enough to fill the glass container.  Tie a festive ribbon around the top. Attach a tag that the little gift giver has signed, and you have both a cherished gift and meaningful holiday decoration.

  • Something memorable. Let your little ones borrow your smartphone to take pictures of some of their favorite things as the holidays near.  Use the photos to create a calendar that aunts, uncles and grandparents will adore.  A child’s perspective, especially with a camera in hand, can generate some delightfully imperfect and heartwarming photos.

 

For neighbors.

  • While you’re away gift. When neighbors are out of town, offer to cut their grass, feed their dog, run an errand, or do whatever else you can to give them peace of mind.

  • Swap skills. Joe’s a great griller.  You’re the handyman type.  Ann has a superb green thumb.  Marcy can fix a hem in a flash.  Do a home and away lesson –- giving each other an afternoon or evening of sharing skills and best tips.

 

For business associates.

  • Time is one of the most coveted of employee perks. If you have the authority to do so, give your team an extra hour (come in an hour later, take two hours for lunch, or leave a bit early) every now and then.  They will love it.

 

 

At Lenox, we work with families to help guide them in every aspect of their financial life –– from education funding, to generational planning and finances, to setting financial priorities, to eliminating debt, establishing budgets, career planning and coaching, retirement planning, and working through financial hurdles –– the entire realm of wealth creation, wealth building, and wealth management.  In every instance, we start with you, not your portfolio to help you FUND A LIFE YOU LOVE™.

 

If you’re ready to discuss financial, business, career and life planning that will allow you to Fund a Life You Love®, we’d love to tell you more.  Let’s talk.  It’s your tomorrow. Call us for a complimentary 1-hour review.  Call 513.618.7080 or visit www.lenoxwealth.com to Fund a Life You Love.

 

Past Performance is not indicative of future results.

 

This blog is limited to the dissemination of general information pertaining to its investment advisory/management services. This is not intended to be personalized investment advice. Please contact a Lenox adviser if you would like additional information.

LENOX December Book of the Month: The Big Picture by Tony Horton

LENOX December Book of the Month: The Big Picture by Tony Horton

LENOX December Book of the Month

The Big Picture by Tony Horton

P90X creator Tony Horton is known by millions of fans for his take-no-prisoners, straight-talking approach to fitness. Tony connects the dots to the other areas of your life, thus, The Big Picture.

Tony's 11 Laws are the basis for his life—and he helps you apply them to your life for an impactful change. Tony shows you how to identify the life you want—and walks you through the path to creating it.

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Past Performance is not indicative of future results.

 

This newsletter is limited to the dissemination of general information pertaining to its investment advisory/management services. This is not intended to be personalized investment advice. Please contact a Lenox Wealth adviser if you would like additional information.

For P&G Employees: 2019 P&G LTIP Bonus

For P&G Employees: 2019 P&G LTIP Bonus

For P&G Employees:  

2019 P&G LTIP Bonus–What to Choose? Cash or Stock

You should consider electing to receive the 2019 LTIP award in options

  • Below is information comparing the receipt of the 2019 LTIP award in options versus receipt in RSUs.

  • The information is based upon a 4% growth assumption for P&G stock.

The Options:

  • P&G has given you a choice on how to receive your LTIP incentive award in 2019.

  • There is no longer a fixed RSU to stock option exchange ratio. Based on the November 1 example calculation provided by P&G, the exchange ratio is roughly 7:1. (Note, this is a 17% reduction as compared to last year’s terms with a ratio of 8:1). This analysis assumes a P&G price of $89.59.

  • In this analysis, we lay out an example scenario where a $100M RSU LTIP award is received in 7:1 options.

  • We have also included a calculator which will allow you to make your own assumptions.

But I have cash needs today (or in the near future) and too much P&G stock…I want the cash sooner:

  • With P&G currently trading at $94/share, consider exercising an older stock option to address your short-term cash needs,

  • This will allow you to:

  1. Get the cash you need today

  2. Reduce the risk of the options expiring at a lower price

  3. Reload your option roster with a new 10 year grant, which has more time value than options which expire earlier.

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  • A $100,000 RSU bonus today will be worth $146,121 in 2028, assuming 4% growth, 2% dividend growth, and you hold P&G stock for 10 years.

  • A LTIP bonus received in options offers 7x the value in P&G 10-year stock option shares, or 7,475 shares.

  • The STAR bonus in options is worth $283,468 or $137,347 more than the RSU bonus in 10 years, assuming 4% appreciation in the stock.

  • If you believe that the combination of P&G earnings growth and/or change in P/E ratio for P&G is less than 2.1% annually or 21% over the next 10 years, you may wish to consider taking RSUs.

  • In the event that P&G breaks-up and the options get truncated, the economics will be different. For example, if the options were truncated to 5 year, there is only a slight benefit to taking the RSUs ($6,674) and the break-even becomes 4.3%.

  • If you are considering leaving P&G without retiring or receiving a package, please be aware that you may be required to exercise your options within 30 days of leaving the company. This can impact the economics of holding an option vs a RSU.

  • As always, this information and your final decision should be reviewed in the context of your overall financial plan and your other P&G plans and benefits. We recommend you consult with your own professional team including your financial advisor, tax preparer, and estate planning attorney before making a final decision.

The information contained herein has been obtained from sources we believe to be reliable, but we cannot guarantee its accuracy or completeness. The presentation is not intended to be either an expressed or implied guarantee of actual performance, and we assume no liability for damages resulting or arising out of the use of such information. This material is for informational purposes only. It is not intended to serve as a substitute for personalized investment advice or as a recommendation or solicitation of any particular security, strategy or investment product. 

Past Performance is not indicative of future results.

 

This blog is limited to the dissemination of general information pertaining to its investment advisory/management services. This is not intended to be personalized investment advice. Please contact a Lenox adviser if you would like additional information.

Happy Thanksgiving from the Lenox Team

Happy Thanksgiving from the Lenox Team

Happy Thanksgiving from the Lenox Team

Thanksgiving is all about showing thanks to the things given to us in life. Here at Lenox Wealth Management, we are eternally grateful for the opportunities before us and the trust placed in our advisors. Our clients are the reason we are able to follow our passion. We hope your holiday season is full of joy and good food.

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Build wealth doing what you love.

Build wealth doing what you love.

Build wealth doing what you love.

No time like the present to pursue the career of your dreams.

In America’s current job market where there are more jobs than people to fill them, it’s not only easier to find a job but to find one you want.  It’s a job seeker’s market.  Employers are vying for talent. Opportunities abound across most every industry.  There’s no time like the present to pursue the career of your dreams, and to transition from doing a job to doing the work you love.

So, what’s holding you back? 

Fear of failure?  Inertia?  Negative reaction from family or friends?  Lack of support from your spouse?  Feeling ingrained where you currently are employed?  Lacking the confidence or energy to make a change?  Fear of going out on your own?

All are legitimate emotions to experience.  But none are worth enduring unnecessarily or serving as hurdles to the better future you envision, especially in today’s robust business climate.  You have to get beyond the concerns to get on with life as you want to live it –– that is, finding fulfillment in your career, enjoying greater happiness in how you spend each day, and building wealth doing what you love.

You can do this. Lenox can help.

First questions to ask yourself... “What work would you love to be doing that you aren’t doing?” “What field would you enthusiastically switch to if that door opened for you?”

Answer these from your heart, and you’ll be on your way to defining what we at Lenox call your “life purpose”.  And, what if we were to help you take steps to discover how to turn your life purpose into something you act on and achieve.  Something you live.  Something you love. The something you’ve always wanted to be and do becomes your new life work.

Getting clients unstuck and helping them generate income and wealth doing what they were meant to do in life is one of our greatest joys at Lenox. 

Step #1 is to find out “who” you are.  Science can help.  There are quick and proven assessments that reveal this information, specifically how we think about and react to things if we had no other factors affecting us in life.

The Kolbe A® Index, for example, measures what’s known as our conative strengths –- the actions we take that result from our natural instincts.  Simply put, “what makes us tick”. People who learn this about themselves and then build on their instinctive interests learn to position themselves for greater success, wealth and happiness. 

StrengthsFinder® is a simple assessment to help uncover our inherent talents and develop them into strengths.  Having this information can change the way we look at our self, the world around us, and guide us to doing what we naturally do best. 

Kolbe and StrengthsFinder are two of the most powerful life-building, wealth-building tools that we’ve seen have a remarkable impact on our clients –– self-discovery tools that help to turn your personal strengths into financial strengths. 

If you’re already happily building wealth doing what you love, kudos to you.  Job well done.

If not, give us a call.  Why let another day, week or month go by without taking advantage of your inherent talents and today’s marketplace opportunities to attain the career that lets you truly love your work, not just go to work.

If it sounds like we’re here to help at Lenox, we are.  It’s why “we start with you, not your portfolio”, building on your natural interests and inner strengths to help you FUND A LIFE YOU LOVE®.

We can’t wait to tell you more. 

 

If you’re ready to discuss financial planning that will allow you to Fund a Life You Love®, we’d love to tell you more.  Let’s talk.  It’s your tomorrow.

 

Call us for a complimentary 1 hour review.  Call 513.618.7080 or visit www.lenoxwealth.com to Fund a Life You Love.


 

Past Performance is not indicative of future results.

 

This blog is limited to the dissemination of general information pertaining to its investment advisory/management services. This is not intended to be personalized investment advice. Please contact a Lenox adviser if you would like additional information.

LENOX Non-Profit of the Month: Freestore Foodbank's Fresh Produce Initiative

LENOX Non-Profit of the Month: Freestore Foodbank's Fresh Produce Initiative

LENOX Non-Profit of the Month

Freestore Foodbank's Fresh Produce Initiative

Bringing Fresh Produce to Communities

As Freestore Foodbank works to solve the critical issue of hunger for the 273,060 food insecure residents of our region, increasing access to fresh fruits and vegetables is essential.

“I wish I could have fruit and vegetables at every meal,” said a visitor to our Food Room at the Customer Connection Center. “My daughter has high cholesterol. My food stamps just barely cover the basics and there is nothing left for fresh food.” 

Over 45% of low-income residents in the 20 counties we serve live more than one mile from the nearest supermarket, making it challenging for people to access healthy foods. Freestore Foodbank is working with our community partner agencies, including Power Pack and School Pantry sites, to increase the amount of produce available. 

“Most of our clients don’t have transportation and its $10.50 round trip to take the bus to the closest grocery,” said Kim with MercyWorks/LightShine in Clermont County. “The food we provide sustains them. We have a lot of elderly residents and children who need access to healthy food.”

Pop-up produce mobiles bring at least four varieties of fresh fruits and vegetables to communities across the tristate. These distributions are provided at no cost to our partner agencies and offer up to 20 pounds of produce to each family.

Freestore Foodbank is also using pop-up produce mobiles to deliver fresh fruits and vegetables directly to school sites in order to reach children and their families. This is especially important for School Pantry sites without refrigeration. Some School Pantry sites are planning to offer these pop-ups monthly; others will request them in conjunction with a specific event, like parent-teacher conferences or arts night.

“One thing I’ve noticed is that when your budget is low, you don’t buy produce,” said Cathy, one of our School Pantry site managers. “Unfortunately we don’t have a lot of storage, so we are now getting pop-up produce mobiles every month, and we distribute everything! Our parents love the produce! They always ask when it’s coming again.”

To find out more about how Freestore Foodbank is working to solve hunger or to see how you can get involved, visit www.freestorefoodbank.org.

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Past Performance is not indicative of future results.

 

This blog is limited to the dissemination of general information pertaining to its investment advisory/management services. This is not intended to be personalized investment advice. Please contact a Lenox adviser if you would like additional information.

Establishing a financial plan can’t wait for “someday”.

Establishing a financial plan can’t wait for “someday”.

Establishing a financial plan can’t wait for “someday”

Make it a priority TODAY.  Here’s how.

Young people, whether single or married, can be among the most frequent of procrastinators when it comes to establishing a financial plan.

That financial plan you’ve been putting off to do “someday” needs to get pushed up to the top of your priority list.  Getting around to it later is potentially hurting your financial stability and wealth creation long term and/or causing financial stress that could be avoided altogether.

So, why the procrastination? 

You may feel you’re not yet at an income level that allows you to have any significant savings, let alone a financial plan.  You might feel you have all the time in the world to create a financial plan.  You may not think of yourself as financially savvy and, thus, feel intimidated by the thought of contacting a financial planner.  Or, you might just have other priorities.

A word to the wise... none of these reasons is good enough to wait any longer. 

Financial planning

Start today to think about, establish and commit to a financial plan.  Here’s how.

Believe in yourself and your future. Wherever you are in your career and whatever your income, if you want a better tomorrow, it’s up to you to make it happen.  In a recent article posted online at ladders.com, entitled... The most important life-changing habit in 2 words: START NOW... author Thomas Oppong writes, “Many people consistently hold back and waste precious time. The only way to get ahead is to overcome that state of mind.  Start.  Every single day.  Start and then restart. It doesn’t matter if you fail.”  In other words, don’t wait for some miracle to happen or for someone else to take charge of your financial future.  Believe in yourself, and start today to establish your financial plan.

Find a financial advisor who also believes in you.  There’s a long-held belief that you have to make a lot of money to get the attention of a financial planner.  That’s not the case at Lenox, where “we start with you, not your portfolio”.  We are your advocates first and foremost.  We believe in you and help you discover and use your inherent strengths and talents to Fund a Life You Love®.  One of our unique tools is to take you through an Honest Conversation®, prompting great discussion about what is important to you, or if you are a couple, what is important to each of you individually and as a couple.  From this, we create a financial plan that is relevant, actionable and doable because it is about you and what you consider to be your personal happiness.

Let no excuse get in your way.  Forget the naysayers who say a financial plan isn’t important at this stage of your life... or that you’ll never stick to it... or that all financial advisors are alike... and on and on.  It’s your money.  It’s your financial future.  No one else should be allowed to determine your success.

Start small.  Doing something is better than nothing at all.  You don’t need grandiose ideas to set a financial plan in motion.  You just need to get started.  Once begun, the bottom line results, peace of mind and comfort that come with having a financial plan can be somewhat addictive, meaning you want to keep it going. 

Understand the time value of money.  If you need further motivation to stay true to your financial plan, take a few minutes to look at the time value of money.  There are numerous charts online to show you how your wealth can grow via this compounding of money over time.  Go to https://www.msn.com/en-us/money/tools/timevalueofmoney to see for yourself.  It’s an instant discipline builder.

Cut yourself a little slack now and then.  Yes, a financial plan requires discipline, but it should not be dreaded or feel like a life sentence.  The right plan for you should get you on track for your income level and lifestyle and show you how to stay on track to meet your lifetime goals.  Remember, the goal at Lenox is to help you Fund a Life You Love®.  If that means traveling or pursuing a hobby or buying a business or whatever your interests, let’s include those things in your financial plan.

Visit and revisit your financial plan.  Life changes and so might your financial plan.  It most likely won’t be a one and done.  That’s a reality that should feel very freeing to you. Tweaks and adjustments will occur, inspired by family, career and other commitments.  That’s a good thing and a discussion that your Lenox financial planner will initiate with you on a regular basis.

If it sounds like we’re here to help, we are. You deserve financial planning that helps you live the best life you can with financial peace of mind.  We help you do just that.  Now, let’s get started on your financial plan.

Fund a Life You Love®... we live it and want our clients to experience it as well.

If you’re ready to discuss financial planning that will allow you to Fund a Life You Love®, we’d love to tell you more.  Let’s talk.  It’s your tomorrow.

 

Call us for a complimentary 1 hour review.  Call 513.618.7080 or visit www.lenoxwealth.com to Fund a Life You Love.


 

Past Performance is not indicative of future results.

 

This blog is limited to the dissemination of general information pertaining to its investment advisory/management services. This is not intended to be personalized investment advice. Please contact a Lenox adviser if you would like additional information.

LENOX November Book of the Month: Dare to Lead by Brene Brown

LENOX November Book of the Month: Dare to Lead by Brene Brown

LENOX November Book of the Month

Dare to Lead by Brene Brown

Title and status do not define a leader. A leader is anyone who takes the time to see the potential in people and ideas, and helps to develop that potential.

Brown writes, “One of the most important findings of my career is that daring leadership is a collection of four skill sets that are 100 percent teachable, observable, and measurable. It’s learning and unlearning that requires brave work, tough conversations, and showing up with your whole heart. Easy? No. Because choosing courage over comfort is not always our default. Worth it? Always. We want to be brave with our lives and our work. It’s why we’re here.”

Encouraging read for us all!

dare to lead

Past Performance is not indicative of future results.

 

This newsletter is limited to the dissemination of general information pertaining to its investment advisory/management services. This is not intended to be personalized investment advice. Please contact a Lenox Wealth adviser if you would like additional information.

OCTOBER 2018 OUTLOOK ON PROCTER AND GAMBLE CO. (P&G)

OCTOBER 2018 OUTLOOK ON PROCTER AND GAMBLE CO. (P&G)

OCTOBER 2018 OUTLOOK ON PROCTER AND GAMBLE CO. (P&G)


Current P&G Stock Outlook:

  • In response to P&G’s quarterly earnings announcement, which beat Wall Street estimates on both the top and bottom lines, the stock jumped by $7/share from $80.24 to $87.30.

  • We are increasing our 12-month price target from $91/share to $94/share.  In the event P&G outperforms again in the second quarter, and provides additional signs of a sustainable turnaround, we anticipate increasing our price target once again.

  • The stock, even with the recent runup in price, continues to represent good value, relative to the overall market. This conclusion is based on a combination of the 3.3% dividend yield and the increasing probability the company is finally showing the benefits from its past restructuring programs. We are also hopeful that Nelson Peltz, the Board, and David Taylor will be more collaborative in terms of bringing bigger ideas and holding management accountable to improving results short-term.

  • Wall Street analysts, who forecasted a price target of $82.08/share last quarter, have increased their average 12-month stock price target by a whopping $6 plus to $88.42/share Analyst forecasts now range between $78/share and $100/share, still indicating disagreement between “the experts” on the company’s outlook and valuation.

  • We believe David Taylor has bought himself more time, and we continue to believe if Nelson Peltz, David, and the Board collaborate, good things will happen for the business and the share price.

 

Highlights of P&G’s Quarterly Results:

  • P&G quarterly sales gains marked their strongest performance in five years, driven primarily by volume growth, product innovation, and a healthy U.S. economy.

  • First quarter FY 2019 produced revenue of $16.69 billion, exceeding Wall Street expectations of $16.46 billion.

  • P&G produced total organic sales growth of 4%, driven by a 3% lift in volume growth.

  • First quarter Core EPS rose 3% over the same period last year to $1.12, exceeding analyst estimates of $1.09 per share.

  • Organic Sales increased in four of five business units, and nine of their ten product categories, led by Beauty with a 7% increase versus the year ago period. P&G grew organic sales in 12 of their 15 largest markets in Q1.

  • Fabric & Home Care, P&G’s largest business unit, grew organic sales by 5% compared to the same quarter last year. 

  • After declining organic sales growth during 2017, Grooming made a comeback by growing organic sales by 4%. This was attributed to product innovation, investments in direct-to-consumer programs, and increased pricing in some markets.

  • Baby, Feminine and Family Care was the lone segment to produce negative organic sales growth, down 1% versus the year ago quarter. This was driven primarily by poor performance from the Luvs diaper brand.


Fiscal Year 2019 Guidance:

  • The company maintained Fiscal Year 2019 guidance for organic sales growth ranging between 2% and 3%.

  • P&G lowered the range for FY 2019 all-in sales growth to -2% to 0%, reflecting foreign currency headwinds of -3% to -4%.

  • They reiterated FY 2019 guidance for Core EPS growth of 3% to 8%. From our perspective, this is a very broad range and reflects a combination of management’s conservatism and uncertainty in the current environment.

  • For FY 2019, the company is forecasting dividends of $7 billion and share repurchases up to $5 billion.

  • As pointed out last quarter, we anticipate a significant increase in after-tax cash flow due to corporate tax reform. The company has not identified the tax savings in the forecast or how they will redirect the proceeds It to increase shareholder value. In our opinion, we think this is an opportunity for Jon Moeller, CFO, to provide increased transparency and build credibility with institutional and retail shareholders who would like more clarity on this part of his forecast guidance.  

 

Understanding our $94 Price Target:

  • Nelson Peltz and Trian Partners will bring Shareholder Point of View to the Board and Management

    • Nelson and Trian have a strong track record of adding value for shareholders and holding management accountable

    • Longer term, call it 3-4 years, we believe Trian has the potential to bring an additional $30 to per share in value to the price of the stock. Its arguable, they have already brought $10.

  • Continued Cost Cutting

    • P&G continues to extract another $10 billion in costs, focused on reducing overhead, lowering material costs, and increasing manufacturing and marketing productivity. It is not clear how much of this cost savings will drop to the bottom line, given increased transportation costs, rising raw material costs, unfavorable mix, lower pricing, and volatile foreign exchange.

  • Macroeconomic, Political, and Competitive Risks

    • P&G identified several key risks that they have not taken into consideration in their guidance: Significant strengthening of the US dollar, further rising commodity prices, continued political and economic volatility, significant deceleration of market growth rates, and increased competition on highest margin products.



The above material is not investment advice and should not be relied upon by any person in making financial investment decisions.  The price of P&G shares may go down in value and at no time reach the above listed Lenox price target.  Any persons reading these materials should not take any actions without first contacting their investment and tax advisor.


 

Past Performance is not indicative of future results.

 

This newsletter is limited to the dissemination of general information pertaining to its investment advisory/management services. This is not intended to be personalized investment advice. Please contact a Lenox Wealth adviser if you would like additional information.

Source: P&G Earnings Release 10/19/2018

Meet Jay Lame

Meet Our Wealth Advisors

Jay Lame, CFP®

Wealth Advisor


At Lenox, we make it our focus to engage and serve a highly robust and diverse clientele –– men and women of all ages, young couples just starting out to those with growing families, young entrepreneurs to established business professionals, leaders of start-ups to longstanding founders exploring succession planning, divorcees, retirees, family legacies, and others.  When we say that “we start with you, not your portfolio” to FUND A LIFE YOU LOVE®, we mean it.  Every client is important and valued.

 

With clients representing this broad brushstroke of society, our services and interests must do the same. We are confident that we have on staff the wealth advisors and fiduciary financial planners with the expertise and heartfelt interest to help you with your financial services needs wherever you are in life –– wealth creation, wealth management, wealth impact. 

 

Meet Jay Lame, CFP®


Let us introduce you to Jay Lame, next-generation advisor who has a strong talent for connecting with any person, anytime, anywhere. Jay’s love of all people and his Certified Financial Planner (CFP) designation have allowed him to understand his clients’ needs and aspirations and draw the roadmap that will allow them to meet each of their goals.

cincinnati-wealth-advisor-jay-lame.jpeg

 

In his own words...

            What three words best describe you?

            Charismatic

            Positive

            Approachable

 

What I like best about my role at Lenox

I love to take an item that can cause such stress for families – finances – and leverage it as a tool that people can use to enhance their lives.

 

Best advice I ever was given

Our attitude towards others determines their attitude towards us.

 

What does “Fund a Life You Love” mean to you?

Fund a Life You Love means people are doing the things they love. Our clients are people who live their lives to the fullest – great careers, great families, great hearts. Our role is to make sure they can do those things. This can be the young couple looking to purchase their first house, or grandparents wanting to help their families with their education, and every stage in between.  We work together to set the goal, and then we draw up the steps we need to take to make that goal happen. The best part in funding a life you love is that it evolves with each goal you hit, and once we get it right, it multiples many times over.

 

Background



A principal at Lenox, Jay’s focus is serving as a Wealth Advisor to clients from all ranges of life. Jay has a natural ability to hear what’s most important to clients and use his judgment and knowledge to ensure we meet their goals. Jay loves to track each client’s priorities and ensure we take the steps to get these priorities in optimal shape.

 

Jay joined Lenox in 2014, first as Client Services Manager. During this time, one of his priorities was ensuring Lenox had the advanced systems in place to execute against the vision Lenox advisors designed for their clients. Jay transitioned to a Relationship Manager in 2015. He received his Certification in Financial Planning in 2016.

 

Prior to Lenox, Jay was a Commercial Associate at Fifth Third Bank, where he worked with Middle Market Businesses and Commercial Real Estate groups to ensure optimal financing was in place as these companies made significant investments in their businesses. 

 

Jay is a Cincinnati native and a St. Xavier High School graduate. He graduated from the Carl H. Lindner Honors-PLUS program at the University of Cincinnati with a Bachelor of Business Administration in Finance, Entrepreneurship and International Business in 2013. Jay has served his fraternity, Sigma Alpha Epsilon, in various leadership roles both as an undergraduate and a graduate.

 

Jay and his wife Ali live in Hyde Park with their 8-month-old golden retriever Louie.



Want to discuss your financial services needs with Jay?  Contact him at 513.618.7080, or email jaylame@lenoxwealth.com

  

At Lenox, we work with families to help guide them in every aspect of their financial life –– from generational planning and finances, to setting financial priorities, to eliminating debt, establishing budgets, career planning and coaching, funding education, retirement planning, and working through financial hurdles –– the entire realm of wealth creation, wealth building, and wealth management.  In every instance, we start with you, not your portfolio to help you FUND A LIFE YOU LOVE™.

 

If you’re ready to discuss financial, business, career and life planning that will allow you to Fund a Life You Love®, we’d love to tell you more.  Let’s talk.  It’s your tomorrow. Call us for a complimentary 1-hour review.  Call 513.618.7080 or visit www.lenoxwealth.com to Fund a Life You Love.


 

Past Performance is not indicative of future results.

 

This blog is limited to the dissemination of general information pertaining to its investment advisory/management services. This is not intended to be personalized investment advice. Please contact a Lenox adviser if you would like additional information.

LENOX RECOMMENDS--   ARTICLES THAT CAUGHT OUR EYE OCTOBER 2018

LENOX RECOMMENDS-- ARTICLES THAT CAUGHT OUR EYE OCTOBER 2018

LENOX RECOMMENDS

ARTICLES THAT CAUGHT OUR EYE OCTOBER 2018


INTERESTING INITIATIVES

 

EXCLUSIVE: Former P&G executive shares $26M plan to draw manufacturing to Uptown


Rich Kiley has a big idea and one that could change the  people and product work environment in the Cincinnati area. Check out CoMade.

 

 

BUSINESS

 

P&G JAS 2018 Results: "A very strong quarter" ?



A objective look at the P&G quarterly results from a P&G alum.

 

 

 

LEARNING




190 Universities just launched 600 free online courses. Here’s the full list.




Interested in some additional learning? Lots of options out there- and most for free!

 

 

PERSONAL GROWTH





THERE ARE 3 TYPES OF PROCRASTINATORS—HERE’S HOW TO FIGURE OUT WHICH YOU ARE





Hmmm…I guess I will get that done….well, maybe tomorrow. Why do I do that- take a read and find out!

 

 

 

INTERESTING

 

This Machine can make Gallons of Fresh Drinking Water right out of Thin Air






Can you imagine how this machine could change areas of the world by pulling water out of thin air? This could be life-changing in today’s world.

 

 




Past Performance is not indicative of future results.

 

This blog is limited to the dissemination of general information pertaining to its investment advisory/management services. This is not intended to be personalized investment advice. Please contact a Lenox adviser if you would like additional information.